Engagement & wedding ring insurance
Enjoy peace of mind with 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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What is ring insurance?
Ring insurance, including wedding and engagement ring insurance, can protect your high-value items against theft, damage, or loss, whether you’re at home or on the go. Specialist ring insurance through Ripe also includes worldwide cover as standard. So, whether you’re on holiday, travelling to a special event, or just going about your daily routine, you can wear your favourite rings without a worry.
What does ring insurance cover?
What's covered
- Accidental damage - up to £30k
- Theft - up to £30k
- Loss - up to £30k
- Worldwide - up to £30k
What's not covered
- Loss if the item is not insured within 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
For more information about what isn’t covered under a wedding or engagement ring insurance policy through Ripe, please see our valuables insurance booklet.
Types of ring insurance through Ripe
Engagement ring insurance
Engagement ring insurance protects your most cherished piece of jewellery against the risks of daily wear. For example, if your engagement ring is accidentally dropped and the stone becomes loose, insurance can cover the repair costs, sparing you from unnecessary stress.
Wedding ring insurance
Your wedding ring is a lasting symbol of commitment to your loved one, and protecting it provides reassurance. If it’s damaged doing everyday tasks or stolen whilst you’re on your honeymoon, wedding ring insurance means you won’t have to worry about the cost of repairing or replacing it.
Valuable ring insurance
Perhaps you’ve been gifted a luxury ring or inherited a family heirloom. Specialist ring insurance also covers high-value rings that aren’t intended as engagement or wedding rings, ensuring your other sentimental pieces are protected against theft, damage, or loss.
What types of rings are covered?
Whether you’re looking for wedding and engagement ring insurance or protection for other high-value rings, we can arrange cover for almost any type. Here are some examples of the rings you can cover through Ripe:
- Traditional diamond rings—classic solitaires, three-stone rings, and other timeless designs
- Synthetic diamond rings—insurance that covers modern styles featuring lab-grown diamonds
- Gemstone rings—sapphires, rubies, emeralds, and other precious stones
- Eternity rings—rings with diamonds or gemstones encircling the band
- Vintage rings—antique or uniquely styled pieces
- Custom-made rings—bespoke designs tailored to your preferences
Don’t forget, you can get a bespoke ring insurance quote online in just minutes.
How much does ring insurance cost?
Several factors can affect the price of ring insurance of other high value items, including:
- where you live
- your ring’s value
- the level of cover you choose
The quickest way to check how much it will cost to insure your ring through Ripe is to get an instant online quote.
Worldwide cover for your engagement or wedding ring
Wear your rings with confidence, wherever you go
Whether you’re exploring the streets of Paris or relaxing on a beach in Bali, our Worldwide and European wedding and engagement ring insurance ensures your items are protected wherever life takes you. Check out our valuables holiday insurance page for more information.
Read for more infoHow to insure your rings
Want to know how to insure a wedding ring, engagement ring, or other high-value items through Ripe? The process is quick and simple—just follow these easy steps:
- Get an instant online quote—tell us your ring’s value and type through our online quote process
- Choose your coverage—select the cover level that best suits your needs
- Complete the application—provide a few simple details, including your contact information, proof of purchase, and a jewellery valuation
- Enjoy peace of mind—your ring is now covered! Should anything happen, simply follow our claims process for assistance
What to do if your ring is lost, damaged or stolen
If the worst happens and you need to claim on your engagement ring insurance or wedding ring insurance policy, here’s what you should do:
- Contact the team immediately—submit your claim to our team at The Davies Group here
- Contact the police—in the event of a claim due to theft, partial loss, loss or malicious damage, you must report the incident Police within 24 hours and obtain a Crime Reference and/or log number
- Follow the claims process—our team will guide you through the next steps, which may include assessing damage, repairing your ring, or providing a replacement
We’re here to help make the claims process as smooth and stress-free as possible so you can get back to cherishing the special moments your rings represent.
Does home insurance cover wedding and engagement rings?
Home insurance can sometimes include engagement ring insurance or wedding ring insurance, but it may not always cover the full value of your rings. Whether your rings are fully covered depends on their price, as home insurance often comes with a single item limit which sets the maximum cost of any individual item on the policy (often between £1k and £2k).
Adding an engagement or wedding ring to your policy as a high-value item will likely increase your insurance premium. Additionally, you 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.
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Is engagement ring insurance worth it?
It’s likely your engagement ring holds sentimental value. It often serves as a reminder of the special moment you shared with your loved one when they popped the question, so losing or damaging it can be heartbreaking. Specialist engagement ring insurance can protect your ring against theft, loss, or damage, helping you feel at ease wherever you go.
Does ring insurance cover losing the ring?
Yes, specialist wedding or engagement 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 £30k.
Does ring insurance cover scratches?
No, ring insurance does not usually cover damage classed as wear and tear, such as scratches. However, wedding or engagement ring insurance through Ripe does cover accidental or malicious damage for the cost of repair or replacement.
Can you insure a ring after buying it?
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.
Tips & advice for looking after your rings
Valuables blog
From ring care advice to security tips, our blog helps keep your valuables safe, organised, and in top shape.
Go to blogHow to clean your diamond ring at home
Keep your diamond ring sparkling with our simple cleaning tips. Learn the safest ways to remove dirt and oils while avoiding damage, so your ring stays brilliant for years to come.
Read our cleaning tipsMeet 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)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.
