Jewellery Insurance

Protect your most prized possessions

Jewellery Insurance covers your precious valuables at home and around the globe.

  • Rings, watches, pendants, necklaces & more
  • Covers theft, accidental damage & loss
  • Worldwide cover
  • Multi-item discounts
  • No excess

Exclusions and limitations apply.
Repairs by approved jewellery repair network.
Replacements are in the form of a jewellery gift card redeemable at over 850 UK stores.

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Key features

Repair or replacement

If your insured item is damaged, our repair network will do their very best to repair it. If it's beyond repair, we'll send you a gift card for the value of the sum insured.

This is not a jewellery replacement or cash reimbursement policy. All reimbursements will be in the form of a jewellery gift card, redeemable at over 850 stores nationwide. There are no limits on the number of repairs during the period of insurance. If you are issued with a Jewellery Gift Card, any replacement item purchased will not be automatically insured.

Loss or theft

Theft or loss of your jewellery can be devastating. If your insured jewellery is lost or stolen, we'll send you a gift card for the value of the sum insured.

Loss or theft outside of your home excluded unless the item is being worn or carried by you about your person or deposited in a locked safe or locker with the keys removed; or where the disappearance of the item cannot be explained.

Accidental damage

Don't worry about accidental damages to your most precious items. Our repair network will do their very best to repair your insured jewellery or we'll provide a gift card for the value of the sum insured.

Excludes wear and tear, failure to follow operating instructions, cosmetic damage and damage resulting from cleaning, restoration or maintenance.

Jewellery coverage

Our jewellery cover includes rings, watches, pendants, bracelets, chains and earrings. 

Watches are not covered for mechanical breakdown; items forming part of a 'set' (e.g., earrings) will be covered for the value of the set. Wearable technology such as smart watches and fitness trackers are covered under gadget insurance, not jewellery insurance. 

Coverage up to £15,000

Protect Your Bubble covers your rings, watches, necklaces, bracelets, or other individual pieces of jewellery for up to £15,000 per item.

We do not insure individual items worth less than £100. The total value of items on your policy cannot exceed £30,000. Items will be replaced up to the value they were originally insured for as evidenced on the proof of ownership or for the amount they were subsequently valued for at renewal.

Multi-item discounts

More items = more discounts! You’ll get 10% off your policy price if you insure 2 items, and 15% off if you insure 3 or more.

The total value of items on your policy cannot exceed £30,000.

Before you buy


How to claim

  1. If you intend to make a claim you must notify us as soon as reasonably possible after the occurrence of the damage, loss or theft.

  2. Check your Schedule of Insurance and the appropriate Section of the policy to make sure that what you are claiming for is covered under your policy.

  3. If you are making a claim for theft, you must report the theft to the police and obtain a crime reference number. If we are unable to verify the crime reference number we will request a police report.  We will not proceed with a claim until we have this information.

  4. Please ensure you include your policy number and are able to provide proof of ownership. You can scan and email your proof of ownership to us, or simply post a copy - in which case we advise using registered post. Please do not send us your original documents, only copies.

  5. To make a claim:
    Call us on 03300 412 188 (lines open Monday to Friday, 9am - 5:30pm)
    Email us at;
    Write to us at Protect Your Bubble Jewellery Claims, River House, Broadford Business Park, Shalford, Guildford, Surrey GU4 8EP.

Frequently asked questions

What types of jewellery can I insure?
Tap to read answer
You can insure rings, watches, necklaces, pendants, earrings and bracelets.  Please note that ‘Smart’ watches are not covered under this policy, but can be insured with our Gadget Insurance product.
Do I need a proof of ownership to insure my jewellery?
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Yes, you will need the original purchase receipt or gift receipt from the retailer that supplied your insured item(s) to you, showing:

  • Date of purchase
  • Purchase amount
  • Retailer's name
How do you replace lost or stolen items?
Tap to read answer
This is not a cash or jewellery replacement policy. If your item is lost or stolen, you will be issued with a Jewellery Gift Card equivalent to the value of the sum insured. In this case, your cover will end for that particular item and no further premiums will be taken, however, any replacement item will not be automatically insured, so you will need to insure it with Protect Your Bubble again.
Do you repair damaged jewellery?
Tap to read answer

If your item is damaged we will do our best to repair it for you using our approved network of professional repairers, Aurum Holdings, in which case it will be returned to you directly, or to your local store within the Aurum network, for you to collect, as per your choice.

If the item is not repairable, or if we judge that the item will cost more to repair than you have it insured for, you will be issued with a Jewellery Gift Card equivalent to the value of the sum insured – in which case, we will retain the item.

In these circumstances, if you do not want us to retain the item, (for example, if it has sentimental value), you can ask to have the item returned to you, unrepaired – however in such cases, your claim will be cancelled.

Learn more about Jewellery Insurance

Protect your precious investment

Jewellery is more than just a fancy piece of gold or silver or a pretty gemstone. Jewellery has great symbolic and sentimental value. It can also cost a pretty penny. For these reasons and more, it’s important to ensure that these items are protected.

Protect Your Bubble makes insuring your most precious and most expensive valuables convenient and affordable with no excess!

Comprehensive jewellery cover

Our comprehensive coverage includes protection against loss, theft and accidental damage. If your claim is approved, we’ll replace a lost earring or a charm on your bracelet with a jewellery gift card, or our approved repair network will fix a broken a link on your watch, re-string your pearls, or even provide and re-set a lost gemstone. 

Our UK jewellery insurance cover extends across the world so you’re protected wherever you roam, although claims can only be settled in the UK.

Ready to get Jewellery Insurance?

Getting a jewellery insurance quote takes less than a minute – why not start now?

Jewellery Insurance starts at just £3.53* per month and covers items against theft, loss and accidental damage. Get a jewellery insurance quote today.

*For items worth up to £1,400

Other Coverage options available:

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