Jewellery isn’t just about style—it often carries personal or financial value. From engagement rings and luxury watches to family heirlooms, losing or damaging a treasured piece can be upsetting and costly. That’s why it’s a smart idea to think about jewellery insurance when you first buy a new piece.
Specialist jewellery insurance is designed to protect your valuable items against loss, theft, or accidental damage, giving you peace of mind from the very beginning—whether you’re at home or travelling.
What Jewellery Insurance Covers
Unlike standard home insurance, specialist jewellery policies are tailored specifically for valuable items. Most policies offer protection for:
- Theft: If your jewellery is stolen.
- Accidental loss: If you misplace or lose a piece.
- Accidental damage: Covers breakage or damage during everyday wear.
- Worldwide cover: Many plans protect your jewellery while travelling, usually for up to 30 consecutive days abroad.
Some providers, like T H March, also include additional features such as price inflation protection on replacement items for longer-term policies.
Benefits of Arranging Insurance at the Time of Purchase
Taking out insurance as soon as you buy a piece ensures you’re covered straight away and never left at risk. Key advantages include:
- Immediate peace of mind: Protection from day one.
- Financial security: Avoid unexpected costs for repair or replacement.
- Simple claims process: Many insurers work directly with jewellers to repair or replace items.
- Flexible options: Policies are often available in 1-year or multi-year terms to suit your needs.
Even items that aren’t extremely expensive can benefit from coverage—especially those with sentimental value.
Things to Keep in Mind
Before choosing a policy, it’s important to understand what’s included:
- Cover is usually limited to residents of the policy country.
- Wear and tear is typically not covered.
- Items left in unattended vehicles or baggage may be excluded.
- Free gifts or accessories are often not included.
- Policies may not be renewable after the initial term.
Always check the full policy wording for detailed terms and conditions.
Is Jewellery Insurance Right for You?
Jewellery insurance isn’t essential for everyone, but if you’re investing in something meaningful—whether financially or emotionally—it’s worth arranging protection at the time of purchase. This way, you can enjoy your new piece with complete reassurance.
For more information, contact our customer service team: Contact us
