Ring Insurance
Enjoy peace of mind with our tailor-made ring insurance.
Lowest Price Guarantee- Loss*, Theft, Damage cover
- UK & Worldwide cover
- No excess
- No-hassle claims
- Monthly payments
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Ring insurance tailor-made for you. The perfect fit.
We know that your rings are amongst your most treasured possessions. They are often symbols of love and commitment and are of huge significance, both sentimentally and financially. We’ve designed bespoke ring insurance to give you protection and peace of mind.
What does our ring insurance cover?
What's covered
- Accidental damage
We cover accidental damage, home and away as standard. Whether your ring is dropped and smashed or sustain other accidental damage, you can rely on our policy to cover the cost of repair or replacement.
Partially damaged items are also covered for the cost of repair and/or restoration, plus the amount of any depreciation, providing that the cost of this does not exceed the full value of the item.
- Theft
If your ring is stolen during a break-in at home, or whilst being worn by you or an immediate family member outside of the home, our policy gives you the cover you need to replace them.
In the event of a claim due to theft, partial loss, loss or malicious damage, you must report the incident Police within 24 hours and obtain a Crime Reference and/or log number.
- Loss
Our policy covers loss of items wherever you are, which means that you have fail-safe security and protection should you accidently lose your ring at home, away from the home or out of the country.
In the event of a claim due to theft, partial loss, loss or malicious damage, you must report the incident Police within 24 hours and obtain a Crime Reference and/or log number.
- Worldwide
We offer worldwide cover as standard which means we will repair or replace your items, wherever the incident occurred, up to a maximum of £30,000.
Providing that you are a UK resident, your policy allows you to enjoy peace of mind wherever you are with unlimited international cover on all policies.
Keep your ring insured
To ensure your ring is covered by our policy you will need to take the following measures.
- Theft or loss away from home
We can't provide cover against theft or loss away from home unless the item:
Is being worn by you or your immediate family
Is being carried under your close personal custody or control or that of your immediate family
Is deposited in a bank or locked safe
- Theft at home
We can't provide cover against theft from your home unless your ring is kept inside the home and any security devices are in operation and there is clear evidence of forcible and violent entry or exit
- Evidence of ownership
We cannot provide cover where no evidence of ownership or a ring valuation has been provided
What's not covered
- Loss cover if item not insured with 60 days
If the item you are wanting to insure was purchased/gifted more than 60 days ago, and you have not had it insured in the last 60 days, then loss cover will be excluded. Your policy will still provide cover for theft and accidental damage for all items you have chosen to insure with us
- Wear and tear
We cannot provide cover against damage caused by wear and tear
- Unmounted gemstones
We cannot cover against loss or damage to any unmounted gemstones
- Certain imported items
Any imported item where appropriate UK customs duty has not been paid or where evidence cannot be provided
For more information about what isn’t covered under the terms of our valuables insurance, please read our insurance booklet.
What does our specialist ring insurance cover?
Designed to meet the needs of our customers, our policies cover theft, loss and accidental damage to your rings, anywhere in the world. Our ring insurance provides protection for rings valued at £1,000 and £20,000, or a collection of rings up to a maximum of £30,000 in total.
Why specialist ring insurance is better than home insurance
Unlike most home insurance policies, our specialist policies protect your rings against theft, loss and accidental damage inside your home and away from the home. Plus our worldwide cover is included as standard meaning you can relax on holiday with the peace of mind that your rings are protected. You can also take out our specialist engagement ring insurance.
What type of rings can I insure?
Our flexible insurance policy covers all types of rings including engagement rings, wedding rings, eternity rings, diamond rings, friendship rings, signet rings and sovereign rings, up to a maximum value of £30,000 in total. Whether your rings are brand new, pre-owned vintage or beautiful inherited antiques, you can cover them all under one easy to access policy, available for you to update or amend as and when it suits you.
How much does ring insurance cost?
The cost of ring insurance depends on the value of your ring(s) as well as a few other factors. If you’re not sure what your ring is worth, read our guide to getting your jewellery valued. If you currently have your rings insured under your home insurance policy, you could see substantial savings with our standalone cover. We offer a 10% discount for multiple items so the more you add, the more you could save and our Lowest Price Guarantee means we’re confident that you won’t find the same cover elsewhere for a lower price. Get a quote now and see how much you could save.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Insurance Booklet (PDF 374 KB)
*If the item you are wanting to insure was purchased/gifted more than 60 days ago, and you have not had it insured in the last 60 days, then loss cover will be excluded. Your policy will still provide cover for theft and accidental damage for all items you have chosen to insure with us.
