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How insurance can help to protect your jewellery

It’s reassuring to know you have insurance protection for your most precious jewellery items – such as classic watches or precious gemstones – which might be new or might have been in your family for generations. You may decide you need diamond insurance, or engagement ring insurance or valuables insurance, for example.

Jewellery insurance is available from some providers but this provides cover for jewellery items only.  It’s important to remember that jewellery can be protected under a home insurance contents policy, covering you for the loss or theft of personal items – including jewellery – as standard. Most insurers classify jewellery, watches or gemstones as ‘high risk items’ or ‘valuables’, so you should check the limits of these items in your home insurance contents cover.   

Many will also require you to take out additional personal belongings cover for items while they are being worn or carried away from the home, covering you for loss, accidental damage and theft.

Suggestions to help keep your jewellery safe

Topping the list of possessions that you want to protect might be jewellery. Your collection of rings may have a high cost in money terms but a family attachment that’s beyond any cash price. Whether it’s a collection of gemstones or a personal reminder of a special occasion, you want these items to be safe. Here are points that will help you to avoid needing to make a claim.

  1. Where possible ensure that all your jewellery is kept out of sight and stored securely.
  2. Keep your doors and windows locked, even if you only go out for a couple of minutes.
  3. Consider installing a safe or hiring a safe deposit box if you keep jewellery of high value in your home.
  4. If you don’t have a safe select a suitable hiding place. Avoid obvious places like in your clothes drawers – a professional burglar will be prepared to check there.
  5. If you don’t wear your jewellery often and don’t feel comfortable keeping jewellery in your home you could consider a bank safety deposit box
  6. Keep an up-to-date record of your jewellery items and their worth. If you don’t have receipts the Guild of Valuers and Jewellers.
  7. Try not to show off your jewellery when in public places. Use a secure, discreet box when moving your jewellery so you avoid attracting attention.

How Lloyds Bank home contents insurance can help to protect your jewellery

New Lloyds Bank home contents policies allow you to select cover for high risk items in your home. These are items which:

  • Could be stolen, damaged, or lost and are usually expensive to replace, and
  • Include jewellery and other high risk items, for example computers, televisions, clocks and works of art.

Lloyds Bank home insurance has two tiers. Both tiers offer a minimum £10,000 high risk items cover as standard but if you need a higher amount then the Home Insurance tier allows you to select high risk items cover up to a total of £30,000. Home Insurance Premier allows you to select high risk items cover 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.

Key benefitS

  • Select the cover you need for your high risk items and avoid being under-insured.
  • Reassurance of knowing that your high value items are specified in your policy.
  • Accidental damage cover is standard for Home Insurance Premier, optional for Home Insurance tier.
  • Protect your jewellery away from the home with our Personal Belongings cover option.

What’s not covered by Lloyds Bank home insurance?

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

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

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