
Jewellery Insurance
Get cover for your rings, watches and the rest of your jewellery.
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Get cover for your rings, watches and the rest of your jewellery.
Jewellery insurance could cover the cost to replace your jewellery. You'll usually be covered if it's lost, damaged or stolen while in your home.
Your jewellery is normally covered by your Contents Insurance, when it’s in your home. You can add extra cover for when you’re away from home, to protect your items on the go.
When you’re insuring your jewellery, you’ll need to know how much it is worth. Contents Insurance usually has limits on how much you can claim for jewellery. This might mean you can’t claim for the full cost of it. Check your policy documents to understand the limits.
If you ever need to claim on your policy, you need to make sure you know how much your valuable items are worth, so you know how much to claim.
There are lots of ways you can get an accurate valuation of your jewellery. These include getting an official valuation from:
It’s a good idea to keep your receipts for any new pieces of jewellery you buy, so you know how much they cost. You will need to update your policy each time you buy or receive a high value item.
Remember, the price of items like gold and jewels can change. So, get your items valued every 2 years to help keep them up to date.
Once you know how much your jewellery is worth, you'll need to check that they are insured for the right amount.
To do this, you'll need an accurate value of item of jewellery. This will make sure you are covered for the full cost to replace them.
If your jewellery isn’t valued properly, it can be hard to insure. This might mean you may end up being uninsured.
If you’re underinsured, you might not get the full amount of a claim for any lost, stolen or damaged jewellery.
For example:
Getting a quote only takes a few minutes and you can protect your jewellery instantly with Lloyds Bank Contents Insurance.
Your jewellery may have a high value, but family attachment can go beyond any cash price.
Whether it’s a collection of gemstones or a cherished gift, you’ll want your jewellery to be safe and sound.
Here are some ways to keep your items safe:
You can protect your jewellery while it’s in your home with Contents Insurance. This will protect you against the cost of repairs caused by things like floods, fires or theft.
It can also cover other expensive items, such as:
Our Home Insurance has two tiers:
You must also list individual items for both Standard and Premier policies if they are valued at more than £3k. You can add items that are individually valued up to £20k.
Limits, terms and exclusions apply to all levels of cover.
For more information on what is and what's not covered, check out our policy booklet.
Limits, terms and exclusions apply to all levels of cover.