Does home insurance cover jewellery and watches?

Most home insurance policies will have a specified limit that you can claim for any one item. Depending on the value of your jewellery or watches, this may be sufficient, but the cover may not be as expansive as a specific policy add-on for your jewellery. Speak to our team to get tailored advice for your circumstances.

Do I need a valuation?

Whether a professional valuation is required will depend on the insurer and the items. Generally, a valuation may be needed for jewellery and watches valued at over £10,000. Insurers may also require a copy of the purchase receipt.

Is my jewellery or watch covered when worn outside of my home?

Yes, cover can be provided for items worn outside of your home anywhere in the world.

Is accidental damage covered?

Yes, accidental damage is automatically covered. Accidental damage is considered to be sudden and unintentional. Wear and tear isn't covered.

Does the policy cover new purchases?

Policies can provide cover up to an agreed amount for a specified period of time for new purchases. After this, you will need to contact us to add the items to your policy.

Can I add or remove items from my policy?

Yes you can make changes to the specified items, please contact us to do this.

Jewellery & Watch Insurance | Alan Boswell Group

Name: Jewellery & Watch Insurance
Brand: Alan Boswell Group
Rating: 4.8 (12399 reviews)

Jewellery and watch insurance is designed to protect some of your most valuable and sentimental possessions against unexpected loss, theft, or damage, at home and when worn outside of the home. Our expert team tailor policies to cover individual items, sets, or collections, ensuring peace of mind should the worst happen.

This cover is available as part of a high-value home insurance policy, allowing us to create a seamless, comprehensive policy that protects both your home and your most treasured assets.

The Alan Boswell Group Difference

At Alan Boswell Group, we arrange specialist jewellery and watch insurance that’s built around how you wear and enjoy your most valuable pieces. Rather than relying on a generic policy, we tailor our policy to the individual items you want to protect and the way you live, whether that’s everyday wear, frequent travel, or storage as investment pieces.

This allows us to tailor a policy from our wide range of insurers that reflects the true value of your jewellery and watches and protects them against loss, theft, and accidental damage wherever you are.

Maimuna Dibba - Private Client Account Executive

Excellent service. I was impressed by the person dealing with my enquiry and her knowledge.

Mr & Mrs Clark - Household Insurance

4.8/5 12399 reviews

Jewellery & watch insurance in detail

The following covers are typically included as standard:

Worldwide cover

Cover for your jewellery and watches anywhere in the world, including when worn.

Theft or burglary

Cover for replacement up to the agreed value of your jewellery or watch is stolen.

Pairs and sets

Cover to replace individual items if part of a pair or set is lost or damaged.

Individual items or collections

Cover can be provided for specific items, sets, or entire collections.

The following covers aren't typically included as standard, but can be added to a policy:

Repair or replacement

Covers the cost to repair, restore, or replace damaged or lost items up to the agreed value.

New acquisitions

Automatically covers newly purchased items for a limited period.

Loss of value

Provides cover for any depreciation in value following a repair.

Agreed value

Agreed value cover for higher value items, subject to single item limit.

Exclusions

Policies typically exclude:

Damage or loss due to wear and tear or poor maintenance.
Costs exceeding the insured amount.
Items permanently kept away from your listed address (unless specifically agreed).
The policy excess (the amount you’ll pay towards any claim).

FAQs

Get in touch

Whether you need a quote, have a general enquiry, want to register a claim, or talk it through over the phone, we're here to help.

Speak to our Norwich office: 01603 218007

Speak to our Cambridge office: 01223 445463

Jewellery & Watch Insurance

The Alan Boswell Group Difference