Jewellery Insurance Broker | Standalone Jewellery Insurance

Jewellery and Watch Insurance

High quality cover for your high-value jewellery and watches.

Jewellery and Watch Insurance can be important where cover provided by a standard home policy isn’t adequate.

A standard home insurance policy may include a number of exclusions – for example, not being able to include single items over a relatively low value, or not including cover for items when you are abroad on holiday.

With a specialist policy, all of these issues can be addressed specifically for you, so you get the right cover without spending more than you need to.

We have a wide panel of insurers who can provide this cover, which means we can usually secure very competitive quotes for your requirements.

At Ellis David, we offer high quality cover that includes:

Worldwide, all-risks cover including ‘mysterious disappearance’
Choice of settlement options in the event of a claim (repair, replace, refund)
No restrictive conditions or warranties
Award winning claims service
Interest free direct debit facility available (subject to conditions)

GET A QUICK QUOTE

Key features:

Cover for high value items

If you have a single high-value piece of jewellery or watch, we can arrange cover for it individually.

Worldwide cover

Unlike most home policies your pieces will be covered outside of your home.

We can tailor worldwide, European or UK only cover to reflect your precise needs, saving you money on cover you don’t need.

Bureaucracy free

There is no need to list every item on your policy.

You only need to specifically tell us about items, pair or sets worth in excess of £15,000.

Extremely low rates for items you don’t wear

We tailor cover to reflect the true risk profile, so you get the best quality cover without paying more than you need to.

For example, if you have jewellery or watches that are stored in a safe or vault.

What is Jewellery and Watch Insurance?

Jewellery and Watch Insurance can be important where cover provided by a standard home policy isn’t adequate.

Many Home Insurance policies cover the loss or theft of personal items, including jewellery, as standard. But they have claim limits for individual items, as well as total claim limits. Typically, a single item claims limit will be somewhere in the region of £1000 – £2000. It’s worth bearing in mind that jewellery or watches, particularly items made with gold or incorporating diamonds, could actually be significantly more valuable now than when they were originally purchased.

In addition, many home insurance policies will not include cover for when the item is away from home. So if you lost your precious engagement ring while on holiday, for example, it may not be covered. For high-value luxury watches and jewellery, we can offer high value jewellery insurance coverage to cover more expensive items.

Who is Jewellery and Watch Insurance for?

Jewellery and Watch Insurance isn’t only for the dedicated collector.

If you fall into any of the following categories, it could be that jewellery insurance will be the most cost effective and convenient option for you:

Own one or more items worth in excess of £2000
Travel abroad (even if just on holiday) with your wedding ring, engagement ring, expensive timepiece or other valuable jewellery
Own a collection of rings, watches, precious metals or gem stones amassed over the years.

Why do you need specialist insurance for some 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 items to verify the cost for that item

Why do you need items valued?

Ensuring that items are valued properly avoids disappointment when it comes to making a claim. Most insurance providers will require valuations to be updated every 2 years.

What types of things may not be covered?

Insurers may not provide cover for all eventualities. Some of the main things to be wary of are 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, using 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:

QUICK QUOTE

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

CONTACT US

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

Jewellery and Watch Insurance

Jewellery and Watch Insurance can be important where cover provided by a standard home policy isn’t adequate.

Key features:

Cover for high value items

Worldwide cover

Bureaucracy free

Extremely low rates for items you don’t wear

What is Jewellery and Watch Insurance?

Who is Jewellery and Watch Insurance for?

Why do you need specialist insurance for some items?

Why do you need items valued?

What types of things may not be covered?

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

Your Details

Company Details

Good Repute Fit and Proper Form

Good Repute Fit and Proper Form

I confirm that the information in this form is accurate and complete to the best of my knowledge and belief and that I have read the notes accompanying this form.
Personal information provided in this form will be used by us to discharge our statutory functions under the Financial Services and Markets Act 2000 and other relevant legislation and will not be disclosed for any other purpose without the permission of the applicant.

Jewellery and Watch Insurance

Jewellery and Watch Insurance can be important where cover provided by a standard home policy isn’t adequate.

Get a quick quote

Key features:

Cover for high value items

Worldwide cover

Bureaucracy free

Extremely low rates for items you don’t wear

What is Jewellery and Watch Insurance?

Who is Jewellery and Watch Insurance for?

Why do you need specialist insurance for some items?

Why do you need items valued?

What types of things may not be covered?

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