High Value Jewellery Insurance

High quality cover for your high value jewellery.

What Is High Value Jewellery Insurance?

Standard home policies are great for covering your everyday items but if you own high value or luxury items of jewellery or watches, you will need a superior, high value home insurance policy.

Standard home insurance policies are often subject to inner limits which can restrict cover for your high value jewellery to as little as £1,000-£2,000 per item.

This means that high value Jewellery, SWISS Watches and other luxurious items cannot be covered.

If you own high value Jewellery items, a high value home insurance policy will provide the correct level of cover required to replace all of your high value items, as new.

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Key Features Relating To Our High Value Jewellery Insurance

Jewellery Cover For High Value Items

If you own high value items such as engagement rings, watches and other high value jewellery, you can cover the items, without being restricted by inner limits.

Our insures will work with you to ensure the jewellery insurance policy is the right fit for your needs

Competitive & Tailored Pricing

We take a tailored approach to high value jewellery insurance meaning that we will work with you to ensure that you are only paying for the level of cover you truly need for your piece of jewellery. For example, if you currently have a watch collection that is never worn and kept locked inside a safe then we can source cover at a lower rate from our panel of high value home insurers who offer large discounts for such items.

Worldwide Jewellery Cover

With many standard home insurance policies your items will not be covered outside of your home. We offer high value jewellery insurance with the option of worldwide cover

No Bureaucracy

Working with us means that you will not have to list every single item you want to be covered on your policy. You will only need to list items which exceed the applicable single item limits, which can range from £5,000, to £50,000 per item.

Our insurers can of course cover items exceeding these values, the items simply need to be specified on your policy.

Who Needs High Value Jewellery Insurance?

High Value Home Insurance is available to those who have high value jewellery and watches, whether this be a large collection or just one high value item which exceeds the limits offered by standard home insurance policies.

If you travel a lot or regularly wear your jewellery away from your home, the worldwide jewellery is also a necessity. This will cover your jewellery and watches across the globe. Our team will work worth you to ensure you understand the ins and outs of your jewellery insurance policy.

Why Use Ellis David As Your High Value Insurance Broker?

At Ellis David, we are proud to have an empowered, experienced team of brokers, who delight in going above and beyond for our clients. We seek to understand your exact requirements and only recommend policies that are suitable and competitive. We constantly review and compare our diverse panel of over 100 insurers, by monitoring them for excellent customer care, claims service and competitive pricing.

Our service is reflected in the fact that we retain 99% of all renewals each year.

If you would like to find out more about the high value jewellery insurance that we offer then please do Contact Us and we look forward to working with you

Some Of Our FAQs Relating To High Value Jewellery Insurance

Why do you need specialist insurance for some valuable items?

Regular home contents insurance will only cover certain items and more expensive items will need to be specified. In addition to this, some items may require separate policies such as expensive jewellery and watches

In some cases, you may need to carry out valuations for specific high value jewellery items to verify the cost for that item

Why do you need an item of jewellery valued?

Ensuring that items are valued properly avoids disappointment when it comes to making a claim. Most insurance providers will require valuations of engagement rings, watches and other high value jewellery items to be updated every 2 years.

What types of things may not be covered?

Insurers may not provide cover for all eventualities. We have highlighted some of the pitfalls below:

Unforced Theft – If someone has not forcefully entered your home or was invited into your house then sometimes insurers may not payout

Wear and Tear – This is common with Jewellery, for example, losing a rare stone from a ring due to age and general use

Our job as your broker is to explain these risks and the wording of your policy to ensure that you understand what is and what is not covered

Click to complete a form for a free, no obligation quote:

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Contact us to discuss your specialist jewellery or watch insurance needs.

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Have you ever been convicted of any offences involving fraud, theft, false accounting or other dishonesty or an offence (whether or not in the United Kingdom) relating to companies, building societies industrial and provident societies, credit unions, friendly societies, insurance banking or other financial services, insolvency consumer credit or consumer protections, money laundering, market manipulations or insider dealing? (required)	YesNo
Are you the subject of any current criminal proceedings? (required)	YesNo
Have you any convictions for any offences other than those listed in question 1 a) above which are not spent, whether or not in the United Kingdom (excluding traffic offences unless these resulted in a ban from driving or involved driving without insurance)? (required)	YesNo
Are you or have you ever been the subject of any civil proceedings, arbitration or litigation, including proceedings that resulted in a County Court Judgment (CCJ) or other judgement debts, in the United Kingdom or elsewhere? (required)	YesNo
Are you aware of any intention to begin such proceedings against you in the future? (required)	YesNo
Do you have any judgement debts (including CCJs) made under a court order still outstanding, whether in full or in part? (required)	YesNo
Have you ever failed to satisfy any such judgement debts within one year of making of the order (required)	YesNo
Are you or have you ever been, the subject of any bankruptcy proceedings, or proceedings for the sequestration of your estate? (required)	YesNo
Have you ever entered into a deed of arrangement or an individual voluntary arrangement (or in Scotland a trust deed) or other agreement in favour of your creditors, or are you doing so? (required)	YesNo
Have you ever been found guilty of conducting any unauthorised regulated activities or been investigated for possible conduct of unauthorised regulated activities? (required)	YesNo
Are you, or have you ever been, the subject of an investigation into allegations of misconduct or malpractice in connection with any business activity? (required)	YesNo
Have you ever, either in the United Kingdom, or elsewhere been - (required)
- refused entry to, or been dismissed or requested to resign from, any profession, vocation, office or employment, or from any fiduciary office or position of trust, whether or not remunerated? (required)	YesNo
- refused, restricted in, or had suspended, the right to carry on any trade, business or profession for which specific licence, authorisation, registration, membership or other permission is required? (required)	YesNo
- disqualified by a court from acting as a director of a company or from acting in a management capacity of conducting the affairs of any company, partnership or unincorporated association? (required)	YesNo
- the subject of a disqualification direction under section 59 of the Financial Services Act 1986 of a prohibition order, under section 56 of the Financial Services and Markets Act 2000, or received a warning notice to make such a direction or order? (required)	YesNo
Have you ever been a controller, director, senior manager, partner or company secretary of a company, partnership, or unincorporated association? If you answered "no" to question 8 you may proceed to section 12. Please tick (required)	YesNo

In respect of activities regulated by the FCA have you, or any company, partnership or unincorporated association of which you are or have been a controller, director, senior manager, partner or company secretary, during your association with that entity and for a period of three years after you ceased to be associated with it, ever - (required)
- been refused, had revoked, restricted or terminated any licence, authorisation, registration, notification, membership or other permission granted by any such body? (required)	YesNo
- been criticised, censured, disciplined, suspended, expelled, fined, or been the subject of any other disciplinary or intervention action by any such body? (required)	YesNo
- resigned whilst under investigation by, or been required to resign from, any such body? (required)	YesNo
- been the subject of any civil action which has resulted in a finding against you or it by a court? (required)	YesNo
Has any company, partnership or unincorporated association for which you have been a controller, director, senior manager, partner or company secretary, in the United Kingdom or elsewhere, at any time during your involvement or within one year of such an involvement – (required)
- been put into liquidation, wound up, ceased trading, had a receiver or administrator appointed or entered into any voluntary arrangement with its creditors? (required)	YesNo
- been declared by a court liable for any fraud, misfeasance, wrongful trading or other misconduct? (required)	YesNo
- been investigated or been involved in an investigation by an inspector appointed under companies or any other legislation, or required to produce documents to the Secretary of State, or any other authority, under any such legislation? (required)	YesNo
- been convicted of any criminal offence, censured, disciplined or publicly criticised, by any inquiry, by the Takeover Panel of any other governmental or statutory authority or any other regulatory body (other than as already indicated under 10 b))? (required)	YesNo
Are you currently a director of any company other than one which is a part of this company? (If “yes” please give details on the supplementary sheet). (required)	YesNo

High Value Jewellery Insurance

What Is High Value Jewellery Insurance?