You must be 18 years or older and a UK resident to purchase a policy. Additionally, you cannot have previously declared bankruptcy. Finally, if you have ever been convicted of a criminal offence or have been charged but not yet tried, you are not eligible for our jewellery cover.

Your jewellery must have been purchased as brand new (not pre-owned) within the last 5 years and worth no more than £15,000 (to a total policy value of £30,000). You must have valid proof of ownership in the form of original purchase receipt or gift receipt from the retailer that supplied the item(s), including date of purchase, purchase amount and retailer’s name. For items worth over £5,000 you must have written confirmation that any gem settings have been maintained at least once every 3 years by a National Association of Goldsmiths registered jeweller.

Watches are not covered for Mechanical Breakdown. 'Smart' watches such as Apple Watch, Fitbits, Garmins etc. are not covered under this policy but can be covered under our Gadget Insurance policy.

Items are not covered for general wear and tear; minor denting or scratching; damage caused by failure to follow operating instructions; or damage resulting from cleaning, restoration or maintenance.

Items taken outside of your home are only covered for theft or accidental loss if they are worn, carried by hand or about your person, or if deposited in a locked safe or locker with the keys removed. 

For accidental damage, we will attempt to repair accidentally damaged jewellery or issue a jewellery gift card. For items that are lost or stolen, we will issue a jewellery gift card. Jewellery gift cards will be equivalent to the sum insured. Jewellery gift cards can be used at over 850 jewellers in the UK. There are no limits to the number of claims you can make. Please note if your item is lost, stolen or unable to be repaired and you are issued with a Jewellery Gift Card, coverage for that item will cease and no further premiums will be taken.