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Why choose specialist insurance?

A better alternative to home insurance

Adding your jewellery and watches to your home insurance policy can be expensive, time consuming and you might find that the cover is limited. Your home insurance policy might exclude cover to your jewellery and watches away from the home, and adding extra cover could increase your premiums. In addition, any claims made may affect your no claims bonus, potentially costing you even more in the long run.

Lowest Price Guarantee*

We’re confident you won’t find another policy that matches your needs for a lower price. If you find the same level of cover and terms elsewhere for less, we’ll refund the difference. Our guarantee to you.

0% APR on all policies

We don’t charge any extra for paying in monthly instalments. Simply choose the ‘Pay Monthly’ option, make an initial 20% deposit and enjoy 0% interest on 9 equal instalments. Get a quote.

Insure multiple items and save 10%

If you have more than one watch or valuable item of jewellery to cover, you can insure them all on one policy and save 10% with our multi-item discount. You can insure any combination of jewellery and watches, providing that each item is worth at least £1,000 individually and the maximum total value for all items is £30,000. Get a combined quote.

Easily add, replace and remove items

We know that your collection of valuables may change from time to time (especially after birthdays and Christmas!) That's why we’ve made it easy for you to add, swap or remove items. Simply get in touch with our customer service team, we’ll make your changes and email your new documents to you straight away.

No hassle claims service

We understand that making a claim can be stressful. Our aim to is to give you clear, helpful information to make the process as simple and worry free as possible. If an incident happens, please contact one of our helpful advisers as soon as you can. If you call out of office hours, you can leave a message and we will contact you the next working day.

We keep it simple

We like to make insurance less complicated. Our quote and cover process is quick and easy and once we’ve agreed your cover, unlike our competitors, we won’t ask you to send us valuations or photographs of each item before cover begins. The only time we will ask for valuations and proof of ownership is in the event of a claim. About our claims service.

Worldwide coverage

Unlike other insurers, we don't exclude territories or limit cover for days outside the UK. Providing that you are a UK resident, your policy allows you to enjoy peace of mind wherever you are with unlimited international cover as standard on all policies.

Simple claims process

If the worst should happen and you need to make a claim, we'll work with you to quickly provide settlement. We're partnered with a network of jewellers nationwide, to make replacing your precious items a smooth and stress-free experience. 

Any questions?

Our friendly and knowledgeable, UK-based customer service team are on-hand to answer any questions you may have. Contact us.

*Lowest Price Guarantee is based on like-for-like cover. A written quotation from the comparable provider must be provided, as well as their Policy Terms. Ripe Insurance for Valuables will endeavour to respond to any quote request within 14 days from receipt of all relevant documentation.

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