What is jewellery insurance?
Jewellery insurance, which you can get as part of contents insurance, can cover the cost to replace your jewellery if damaged or stolen in or away from your home.
Contents insurance typically provides cover for any valuables in your home, up to a certain amount. This includes your jewellery. To protect your items when you’re away from home or from accidental damage, you can take out extra cover.
Can I cover engagement rings and wedding rings?
Yes, with jewellery insurance you can protect any piece of jewellery you own, including:
- engagement and wedding rings
- watches
- necklaces
- earrings
- bracelets
- antique jewellery.
How to value your jewellery
Before taking out jewellery insurance, you need to know how much your jewellery is worth. This is so you can make sure the policy limit is enough to replace your items, if needed.
You can get a valuation from:
- an expert jewellery dealer
- the retailer you bought it from
- a valuation day offered by a jeweller or auction house
- a pawnbroker.
You can check the National Association of Jeweller’s directory to find a trusted valuer.
Updating your policy with regular valuations can make sure you stay fully covered. You’ll also need to update your policy each time you want a new piece of jewellery covered.
If you buy any new pieces of jewellery, you should keep the receipts, so you know how much they cost.
Do I need jewellery insurance?
Jewellery cover can help give you some peace of mind in case something does happen to your valuables.
Deciding whether jewellery insurance is right for you can depend on:
- how much jewellery you have
- how much your jewellery is worth
- whether you have any high-value pieces
- how much you’re willing to pay for a policy.
You can find a jewellery insurance provider by using a comparison site.
How our contents insurance can help
Protect your jewellery
You can get cover for jewellery in your home as part of our contents insurance.
We offer two levels of cover for you to choose from: Classic and Plus.
- Classic cover with up to £20,000 for your valuables
- Plus cover with up to £50,000 for your valuables.
You can also choose to take out extra protection for your jewellery, including accidental damage to your contents, or personal belongings cover to protect your jewellery outside your home.
How much cover do I need?
When choosing your level of cover, it’s a good idea to check how much your valuables are worth. While you won’t need to name each item on your policy, it means you can make sure the policy limit is enough to cover all your possessions.
What’s not covered?
On some occasions, your jewellery may not be covered.
This includes:
- certain losses and damage (e.g. from burst pipes) when your home is unoccupied for more than the number of days you’ve chosen
- certain losses or damage (e.g. theft or malicious damage) caused by you, paying guests or tenants
- Items in the home that form part of a matching group or set (Classic only).
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all our cover, there are limits, terms and exclusions. Read the policy documents (PDF - 254 KB)
Get a quote now
If you're interested in protecting your contents, including jewellery and other valuables, you can get a contents insurance quote from us in only a few minutes. You can also combine it with our buildings insurance to protect both your home and what’s in it. Santander does not provide standalone jewellery insurance.