SPECIALIST TAILORED INSURANCE
Specialist Jewellery Insurance
With our specialist jewellery insurance, you get the bespoke cover required for your most precious stones, metals, and heirloom pieces.
Protecting Your Most Precious Possessions
If you own valuable items of jewellery, you know that few possessions hold the same level of sentimental and financial significance. Our specialist jewellery insurance gives you the confidence to wear and enjoy your engagement rings, necklaces, and family heirlooms, knowing they are well protected.
Contact us to discuss your requirements and we’ll typically respond the same working day.
Why you may need specialist Jewellery Insurance
If you own rare or high-value jewellery, it is very likely that you’ll need to arrange specialist insurance. Jewellery is unique because the cost of precious metals and gemstones can fluctuate or rise significantly over time; your insurance must reflect the current replacement value.
The best way to insure your items might be as part of a high-value home and contents insurance policy, which can also include fine art and antiques. Alternatively, you could arrange a separate policy dedicated solely to your jewellery. Many of our clients also choose to protect their timepieces under the same portfolio; if this is the case, we can also provide specialist Luxury Watch Insurance alongside your jewellery cover. To assist you in making an informed decision, we have created: The Complete Guide to Specialist Jewellery Insurance. We can discuss your items with you and advise you on the best way to insure them.
What we can cover
We typically deal with jewellery that can’t be covered under a standard home insurance policy, which usually happens because the single-item value is too high. Standard policies rarely cover individual items with a value above £10,000, even when specified.
If you have items above this limit or a significant volume of jewellery, we can help. We’ll discuss the items with you, including any professional valuations and photographs. We recommend getting updated valuations over time, as the value of precious metals and diamonds can increase. It’s vital that this increase is reflected on your policy so that any claims are settled adequately.
Your policy can cover almost any high-value item, including rings (engagement, wedding, or eternity), earrings, necklaces, bracelets, and more.
As well as the details of each item, we will discuss:
Your home security, such as safes, alarms, and CCTV
Your lifestyle and how often you wear or travel with the items
Your previous claims record, if any, on jewellery items
Insuring items as a “set,” as losing one piece can diminish the overall value
We can usually arrange worldwide cover for your items, including damage, theft, and loss.
Why deal with Nowell & Richards for your Jewellery Insurance?
For such precious and emotionally significant possessions, you want the peace of mind that you are dealing with a specialist broker that provides the highest level of expertise and personal service. High-net-worth jewellery insurance is at the very heart of our business and has been since we launched in 1976.
On a daily basis, we arrange the kind of complex, high-value policies that most standard brokers only encounter occasionally. As a Nowell & Richards client, you can be completely confident in our deep knowledge of the market. Our meticulous attention to detail, and the discreet, professional level of service we provide at every stage of the process.
To ensure your collection is perfectly protected, we regularly meet our private clients in their own homes. This allows us to personally assess your jewellery items and advise on the best way to insure them. Not only is this more convenient for you, but it also gives us a vital opportunity to review your home security. We can make expert recommendations on safes, locks, and other security measures that not only protect your assets but can also help reduce the likelihood of a loss and potentially lower your premiums.
A name you can trust for your Jewellery Insurance
Our clients include business owners, entrepreneurs and professional sports people. We work with them to find the right insurance for their very specific needs. Through working with such discerning clients we’ve grown as a business, thanks to high levels of client retentions and referrals.
We’re now part of the JMG Group, which is one of the UK’s top 30 Insurance Brokers. This allows us to find competitive cover from a wider range of specialist insurers, whilst remaining independent in the advice we offer to clients.
First class claims service
Making a claim is when you really find out the value of your insurance and where our service comes into its own. You won’t be left alone to handle the claim directly with the insurers. Our in-house claims team, including your own dedicated claims manager, will help you throughout the process.
Our aim is to help you settle your claim promptly and to your satisfaction, whilst making the process as simple as possible for you. At every stage, we’ll advise what you need to do next and guide you through any information or documentation that you need to provide. We’ll ensure that your claim keeps progressing.
Get in touch to discuss your Jewellery Insurance
If you have items of high value jewellery, we’d be very happy to discuss how we could help you find competitive insurance that fully covers your needs. Contact us through the website or call us on 01785 255514 and we can advise on the best way to insure them.