Get a quote
Get a quote
Underwritten by Aviva Insurance Limited

Specialist jewellery insurance

Enjoy peace of mind with our tailor-made jewellery insurance.

  • Lowest price guarantee
  • UK & Worldwide cover 
  • No excess
  • Monthly payments 

Get a quote

Trustpilot

What is jewellery insurance?

Jewellery insurance can protect your high-value items, such as watches or rings, against risks like theft, loss, and damage, both at and away from home. Ripe arranges specialist jewellery insurance with worldwide cover included as standard, ensuring your precious items are safe no matter where you go.

Why choose Ripe for jewellery insurance?

Simple claims process

We’re partnered with a network of jewellers nationwide to make replacing your precious items a smooth and stress-free experience.

We'll beat TH March renewal quotes

Is your jewellery insurance up for renewal? If you’re a TH March customer, we’ll beat their renewal quote by up to 10%.

Worldwide cover

You have the freedom to wear your jewellery wherever you are with up to £30k of worldwide cover.

What does jewellery insurance cover?

What's covered

  • Accidental damage to your jewellery at home or away. Repair, replacement or restoration costs can be covered if they don’t exceed the jewellery’s full value.

  • Theft of your jewellery during a home break-in or while being worn outside the home, providing you have reported the incident to the police within 24 hours and obtained a Crime Reference or log number.

  • Loss of your jewellery wherever you are, providing you have reported incident to the police within 24 hours and obtained a Crime Reference number.

  • Worldwide cover up to £30k.

    *Jewellery can be insured up to a maximum value of £30k on one policy. The maximum value per item is £20k.

What's not covered

  • Loss of your jewellery if it was purchased or gifted more than 60 days ago and you have not had it insured in that time.

  • Wear and tear.

  • Unmounted gemstones.

  • Imported items where appropriate UK customs duty has not been paid or where evidence cannot be provided.

    For more information about what isn’t covered under the terms of this jewellery insurance, please read our  valuables insurance booklet.

Tips for keeping your jewellery safe

Alongside having specialist jewellery insurance, there are a few simple steps you can take to ensure your precious items stay safe:

  • Store items securely—use a lockable, fireproof safe at home to protect your jewellery from theft or damage.
  • Use home security systems—invest in high-quality security systems with cameras, alarms, and motion sensors for added protection.
  • Remove jewellery in risky situations—avoid wearing high-value items in high-risk environments, such as while exercising, travelling, or working.
  • Keep records of your jewellery—document detailed descriptions and photographs of your jewellery for easy reference when filing a claim on your jewellery insurance.
  • Regularly update your jewellery insurance—ensure your policy reflects the current value of your collection through professional appraisals.
  • Avoid posting items on social media—sharing images of high-value jewellery can inadvertently attract thieves and put your items at risk.

Refer your friends and you'll both be rewarded

If you choose to refer your friends to us, not only will we reward you with a £20 voucher of your choice but your friends will receive an exclusive discount too!

Find out more

Advice for keeping your valuables safe

Jewellery & valuables blog

Read our expert tips on caring for and protecting your treasured possessions. From maintenance guides to security advice, our blog helps you keep your valuables sparkling and safe. 

Check out our blog

How to clean silver jewellery

Learn how to clean and maintain your silver jewellery with simple, effective methods. 

Read our tips

Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

Jewellery insurance FAQs
  • Is it worth insuring jewellery?

    • Jewellery isn’t always just valuable—it’s often sentimental, too. Whether it’s your engagement ring, a family heirloom, or a special gift, losing or damaging it can be heartbreaking.

      Specialist jewellery insurance can protect your treasured pieces against theft, loss, or damage, giving you peace of mind wherever you go. If you want the reassurance that your jewellery is covered—at home, away, and even worldwide—you might want to consider insurance.

    How much does jewellery insurance cost?

    • The cost of your jewellery insurance policy depends on a few factors, such as:

      • your age
      • your location
      • the value of your jewellery

      You can get an instant online quote to learn the cost of your cover.

      At Ripe, we offer a Lowest Price Guarantee as we’re confident you won’t find the same cover cheaper elsewhere—if you do find the same cover within 14 days of taking out your policy, we’ll refund the difference.

    Can you insure a single item of jewellery?

    • Yes—you can take out jewellery insurance for a single item valued between £1k and £20k through Ripe. The policy provides protection against accidental damage, theft, and loss, both at home and abroad, with worldwide cover included as standard.  

    How often do you have to value jewellery for insurance?

    • It depends on your insurance provider, but typically every two to five years. At Ripe, we deem a jewellery valuation valid if it was completed within the last three years by a NAJ Registered valuer.  

    Does jewellery insurance cover loss?

    • Yes—specialist jewellery insurance covers theft, loss, and damage both at and away from home, so you have complete reassurance wherever you’re wearing it.

      You can also benefit from worldwide cover through Ripe, which means we will repair or replace your items up to £30k even if the incident occurred abroad.

    How do I claim for stolen jewellery on my insurance?

    • Making a claim through Ripe is simple—simply provide evidence of ownership and an up-to-date valuation for the item(s) involved. The valuation must be from a NAJ registered valuer and completed within the last three years.  

You need an up-to-date valuation of your jewellery in order to make a claim. Find out how to get your jewellery valued.

What do our customers say?

Trustpilot

*If the item you are wanting to insure was purchased/gifted more than 60 days ago, and you have not had it insured in the last 60 days, then loss cover will be excluded. Your policy will still provide cover for theft and accidental damage for all items you have chosen to insure with us.

Please enter a valid email address.

Please Please tick one of the boxes below.

Let's stay in touch. Sign up to receive special offers and exclusive discounts.

Sign me up

Your data is safe with us and you can unsubscribe at any time. For more information, please see our Privacy policy.

Thank you for subscribing, you’ll be hearing from us soon!