Ring Insurance
Enjoy peace of mind with our tailor-made ring insurance.
Lowest Price Guarantee- Loss*, Theft, Damage cover
- UK & Worldwide cover
- No excess
- No-hassle claims
- Monthly payments
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Engagement ring insurance
Engagement rings hold a huge amount of sentimental value but can also be a substantial financial investment. As you wear your engagement ring every day, you might sometimes forget to remove it when it's at risk of damage, for instance—if you’re cleaning with harsh chemicals or working out at home. Specialist ring insurance through Ripe can provide financial protection and peace of mind should your ring get lost, stolen, or accidentally damaged.
Wedding ring insurance
Wedding rings are often one of our most treasured possessions, so you may want to make sure that they are protected accordingly. Common ways wedding rings become lost often include the ring being oversized and falling off, washing your hands and losing it down the sink, or pulling it off with a glove. If you don't notice your ring is missing straight away, it can be difficult to find it later. Insuring your wedding ring through Ripe can help cover some or all of the costs involved should your wedding ring get lost, stolen, or accidentally damaged.
Why should I consider ring insurance?
Whether you have an engagement ring or a wedding ring, you always plan to keep them forever. However, if you lose or damage your ring, it can be costly to repair or replace it yourself. Having comprehensive insurance for your rings can help provide the added peace of mind that your most valuable items are protected should the worst happen.
What does ring insurance cover?
What's covered
- Accidental damage - Up to £30,000
- Theft - Up to £30,000
- Loss - Up to £30,000
- Worldwide - Up to £30,000
What's not covered
- Loss cover if item not insured with 60 days of when it was purchased or gifted
- Wear and tear
- Unmounted gemstones
- Certain imported items
- Theft or loss away from home when the item is not in the possession of you or your immediate family, or locked in a safe
- Claims without evidence of ownership
- Theft at home without security devices in operation and without evidence of forced entry
Does my home insurance cover engagement and wedding rings?
Home insurance can sometimes cover engagement and wedding rings but not necessarily for the full amount. Whether your rings are covered depends on the price of your ring, as home insurance often comes with a single item limit which sets the maximum cost of any individual item on the policy (often between £1,000 and £2,000). You can add an engagement or wedding ring to your policy as a high-value item, but this will likely increase your insurance premium.
You also may need to add further cover at an additional cost if you want your items to be covered outside of the home. If you're unsure, it's best to check your policy documents for the exact details of what is or isn't covered. However, specialist ring insurance through Ripe is tailored specifically for wedding and engagement rings.
How much does ring insurance cost?
The cost of your ring insurance can vary depending on several factors, such as:
- The value of your ring
- Where you live
- The level of cover you choose
The quickest way to find out how much it will cost to insure your ring through Ripe is to get a quick online quote today.
Meet our expert
“As many people wear their wedding or engagement ring every day, there’s a risk of them becoming damaged or lost. Having specialist insurance in place can help provide the reassurance that if the worst were to happen, you may be able to get some, or all, the costs covered for a repair or replacement.”
Charlotte Hughes
Product Development Manager
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Insurance Booklet (PDF 374 KB)-
How do you insure an engagement ring?
Insuring your engagement ring can be quick and easy through Ripe, starting with getting a quote. To get a quote, you’ll need to provide the following information:
- Your ring's value
- Your contact details, including your name and address
- The level of cover you want
Does ring insurance cover loss?
Yes, ring insurance covers the loss of your ring if it is misplaced or accidentally lost. It’s more common for rings to be lost outside of the home rather than inside, which is why insuring your ring through Ripe includes Worldwide Cover as standard, up to the value of £30,000.
Does ring insurance cover scratches?
No, ring insurance does not usually cover damage classed as wear and tear, such as scratches. However, ring insurance through Ripe does cover accidental or malicious damage for the cost of repair or replacement.
Can you add insurance to a ring after purchase?
Yes, you can insure your ring after you've purchased it. However, it's important to remember that Loss Cover would be excluded if the item you want to insure was purchased or gifted more than 60 days ago and you have not had it insured in the last 60 days. Your policy would still provide cover for theft and accidental damage for all items you have chosen to include on your policy.
What do our customers say?
*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.
