High quality cover for your jewellery and watches.
- 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)
The easiest and most cost effective way to achieve the above is to have a specialist “high value household” policy with a well respected insurer. We have a wide panel of insurers who can provide this cover, which means we can usually secure very competitive quotes for your requirements.
Key Features Of Our Jewellery and Watch Insurance
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.