Things to consider with jewellery insurance
Even if you think your home contents insurance gives you cover for jewellery, you should check with the insurer for things like single-item limits and other clauses that could stop you recouping the full value of the item if you lost your prize possessions. Also check the policy limits on each individual item.
Then you need to know how much your jewellery is worth. This is more complex than it sounds when older jewellery such as gold and precious stones can appreciate in value.
The message is clear, get your jewellery valued regularly and save the certificate. Then you have a record to present to the insurance company should the worst happen.
You might not have to prove the value of the piece when you put it on your insurance, but if you make a claim then you might have to come up with the paperwork to support your case.
It’s possible your jewellery is completely covered on your home contents insurance, but it’s best not to gamble with the things you love the most. Make sure you have the right cover for you and get your jewellery insurance as part of your home contents insurance quote, right here with us.