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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.
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:
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 £20,000 each, up to a total value of £50,000 are also included in the 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.
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:
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.
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.
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 £20,000 each, up to a total value of £50,000, are also included in the contents limit. This is as long as you name them on your policy.
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.
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:
For some, this may mean taking out extra cover. This could be cover for:
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.