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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 

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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

Protects your jewellery at and away from home, covering the cost of repairs or replacement.

  • Theft

Jewellery is covered for theft during home break-ins and when worn by you or an immediate family member outside of the home.

  • Loss

Jewellery is covered against loss both at and away from home, or out of the country.

  • Worldwide cover

Included as standard, and ensures your items are repaired or replaced if they are damaged, lost or stolen.

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

Exclusions

  • Loss

Cover is excluded if the item was purchased/gifted more than 60 days ago, and you have not had it insured in the last 60 days.

  • Wear and tear

We cannot provide cover against damage caused by wear and tear.

  • Unmounted gemstones

We cannot cover against loss or damage to any unmounted gemstones.

  • Certain imported items

Any imported item 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 insurance booklet.

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

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
  • 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.

    Is it wise to insure jewellery?

    • Insuring your jewellery through specialist insurance protects it against theft, loss, or damage, which can be particularly important given the high value and sentimental significance of your items.

      If you want to protect your valuables against these risks both at and away from home, and even worldwide, then jewellery insurance could help give you ultimate peace of mind.

    Can you claim for lost jewellery through specialist jewellery insurance?

    • 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.

    Do I need to get my jewellery valued?

    • When taking out jewellery insurance, it’s important to know how much your items are worth in case you need to make a claim. You should ideally have a receipt which details how much you paid for your jewellery.

      However, if you don’t have this or your items have increased in value since you purchased them, it’s essential to obtain an accurate, up-to-date valuation by the National Association of Jewellers.

      Otherwise, any claims you make will be affected if you’re unable to provide evidence of the value of your items.

      Here’s our guide on getting your jewellery valued.

    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.

    How do I claim on jewellery insurance?

    • Making a claim through Ripe is simple—simply provide evidence of ownership and/or 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.

*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.

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