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.
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
What’s not covered by Halifax home insurance
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.
We’ve made it easy for you to buy home insurance. Compare our two levels of cover side by side when you get a quote.
Or call for a quote on 0800 085 6844.
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