How to protect your jewellery.

For peace of mind you may want to check the protection you have for your most precious jewellery items – which might have been handed down – including designer watches or precious gemstones.

Some insurers offer jewellery insurance, which gives cover for jewellery items only. However, jewellery can be protected under your home contents cover – policies often include cover for the loss or theft of personal items, including jewellery, as standard. Most insurers will classify jewellery, gemstones or watches as ‘high risk items’ or ‘valuables’ so it’s important to check the limits of your contents cover.

Most insurers will set an upper limit for the value of a single item and allow you to select the total amount for items valued under this limit. Items over the single item limit must be specified individually, so again make sure you have adequate cover for those more expensive items.

Many insurers will require you to take out additional accidental damage cover for events accidentally caused by you, e.g. scratching an item of jewellery in the home. Many insurers will require you to take out personal belongings cover to protect items while they are being worn or carried away from the home, covering you for loss, accidental damage and theft.

Tips for storing your jewellery safely

Jewellery often tops the list of personal possessions that you want to protect. Your wedding or engagement rings may have a high cost in money terms but an emotional value that’s beyond a cash price. Whether it’s a collection of pearls or diamonds built up by your family or a personal reminder of a special occasion, you want these items to be safe. We’ve put together some tips to help you avoid having to make a claim.

  1. Try to keep all your jewellery out of sight and stored securely.
  2. It’s a good idea to lock your doors and windows, even if you’re just out in the garden.
  3. If you keep a fair amount of jewellery at home you might want to install a secure safe.
  4. If you don’t have a safe you should find a sensible hiding place. Don't choose somewhere obvious like a jar in the kitchen cupboard – a professional burglar will check there.
  5. If you don’t feel comfortable keeping jewellery in your home it’s worth considering a bank safety deposit box, especially if the jewellery is worn just on special occasions.
  6. Keep a record of your jewellery and how much it’s worth. If you don’t have receipts the Guild of Valuers and Jewellers ( can suggest a valuer in your area who will assess your jewellery for a fee.
  7. Try to be discreet when wearing jewellery in public places. If moving your jewellery you should store it in a secure, discreet box or bag that doesn’t attract attention.

How Halifax contents insurance can help

New Halifax home insurance policies provide a minimum £10,000 high risk items cover as standard and you can select a higher amount if needed. This gives you cover for high risk items which could be stolen or damaged and are usually attractive to thieves. High risk items include jewellery and also computers, televisions, clocks and works of art.

Halifax offers two tiers of home insurance – Home Insurance where you can select cover for your high risk items up to a total of £30,000, and Home Insurance Ultimate which allows you to select cover for your high risk items up to a total of £50,000.

You must also specify individual high value items for both tiers if they are valued at between £3,000 and £20,000.

Our Home Insurance is underwritten by Lloyds Bank General Insurance Limited

Key benefits

  • Select the amount of cover you need for your high risk items.
  • Have peace of mind from knowing that your high value items are specified in your policy.
  • Cover for accidental damage is standard for Home Insurance Ultimate, optional for Home Insurance tier.
  • Option to protect your jewellery away from the home with Personal Belongings cover.

What’s not covered by Halifax home insurance

  • Single items worth more than £20,000. These may need specialised insurance.
  • Theft by anyone you invite in to your home.

How to make a jewellery insurance claim

If you need to get in touch with us to make a claim on an existing policy, call 0345 300 5178.

Get a quote.

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Important information

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.