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Jewellery
We understand your jewellery is important to you. It’s worth checking what’s covered with our home insurance. You can only get Home Insurance Select directly with us. Get a quote online or over the phone. 10% cheaper when you get your quote and buy online.
How Halifax contents insurance can help.
Jewellery often tops the list of things that mean the most to you. It's also at risk of being stolen or damaged.
With Home Insurance Select, your belongings are covered while in your home as part of your overall contents limit. If you have items worth more than £2,000 each, you'll need to specify these on your policy.
We offer three levels of contents cover:
- Bronze cover with up to £50,000 for your contents.
- Silver cover with up to £100,000 for your contents.
- Gold cover with up to £250,000 for your contents.
Whichever level of cover you choose, your items each worth £2,000 or less are covered up to the contents limit. Your high value items worth between £2,000 and £40,000 each, up to a total value of £100,000, are included in addition to your contents limit. This is as long as you name them on your policy. Accidental damage to your jewellery is covered if you have our Silver or Gold cover.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF 508KB).
How to value and insure your jewellery
It's a good idea to get your jewellery valued. This will help make sure you have the right level of cover for your precious items. If your jewellery is stolen or damaged, you may need to provide something that shows how much it's worth. There are a few ways to do this, such as:
- Valuation certificate. Most jewellers will be able to value your items and give you the paperwork to prove it. This can cost a small fee. Try to get your jewellery valued every few years, or when you add a new item to your collection.
- Proof of sale. For new pieces, save the receipt from when you bought the item.
If your jewellery isn’t valued correctly, you might end up paying more to replace it, if the worst happens. This is because you won’t be able to claim for the full value of the item, if it’s not insured for enough. You might need to pay more of your own money to replace it.
Jewellery cover and contents insurance
In most cases, your jewellery is covered by your contents insurance. It covers items if they are stolen or damaged in your home. To cover against accidental damage, you'll need to make sure your policy includes this.
If you need cover for your jewellery while you're out and about, add Away from home cover.
Why do I need to insure my jewellery?
If your jewellery is damaged or stolen at home, your contents insurance might pay out to repair or replace it. This can give you peace of mind that your precious items won’t be lost if there’s a break in or fire.
There are lots of ways to protect your jewellery. You might want to get specific jewellery cover, or you might use contents insurance. It is worth doing your research to make sure you have covered all your items for the right price. Keep an eye out for any limits on claims made on individual pieces.
With our contents insurance, your jewellery items each worth £2,000 or less are covered up to the contents limit. Any items worth between £2,000 and £40,000 each, up to a total value of £100,000, are included in addition to your contents limit. This is as long as you name them on your policy.
What happens if my jewellery isn't valued properly?
If you undervalue your jewellery, you may not be covered for the full amount should it be damaged or stolen. This means that you might need to pay more towards repairing or replacing it.
Most contents policies have a single item limit for jewellery. If you have under-insured an item and haven't named it on your policy, you'll end up out of pocket if you need to claim. You may even find that it's not covered at all.
How to properly insure your jewellery
No one wants to run the risk of not being able to replace their precious items. That is why it is vital to make sure every item is covered properly. Think about pieces that:
- You no longer wear and might be in storage.
- You have inherited.
- You have recently bought.
- Are worth more than your single item limit.
For some, this may mean taking out extra cover. This could be cover for:
- Wearing jewellery away from home.
- Items worth more than your limit.
- Accidental damage or loss.
- Travelling abroad.
Tips for keeping your jewellery safe.
Some jewellery may have a high cost in money terms but an emotional value that’s beyond a cash price. Your wedding or engagement rings, for example. 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.
- Keep all of your jewellery out of sight and stored securely when you're not wearing it.
- Lock your doors and windows, even if you’re just out in the garden.
- Consider installing a safe if you keep a lot of jewellery at home.
- If you don’t have a safe, find a sensible hiding place. Don’t choose somewhere obvious like a jar in the kitchen cupboard - a professional burglar will check there.
- If you have jewellery you wear very rarely, think about using a bank safety deposit box.
- Take photos and keep a record of what you have and how much it’s worth. If you don’t have receipts, the Guild of Valuers and Jewellers (www.gvj.org.uk) can suggest a valuer in your area who will assess your jewellery for a fee.
- Try to be discreet when wearing jewellery in public places. If you're moving your jewellery, store it in a secure box or bag that doesn’t attract attention.
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