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High Value Jewellery Insurance
Specialist high value jewellery insurance if you have higher than average value items.
- Higher limits and wider coverage that goes beyond standard contents cover
- Specialist advisers help you find the right cover for your needs
- Local support
One of the UK's leading independent insurance brokers
Why choose high value jewellery insurance from Towergate?
Bespoke high value jewellery insurance
Be informed about the available options by speaking to a high value jewellery insurance specialist.
Panel of high value jewellery insurance insurers
We work with a specially appointed panel of insurers, meaning we have access to a broad selection of cover options when reviewing and making policy recommendations.
Spread the cost of your high value jewellery insurance
You can spread the cost of your high value jewellery insurance over 10 monthly direct debit instalments, subject to an additional charge. Please read our dedicated page on Direct Debit.
High value jewellery claims team
Our team is here to support you, including when you need to make a high value jewellery claims claim.
About high value jewellery insurance
Specialist high value jewellery insurance
Our specialist high value jewellery insurance advisors can navigate and recommend a policy that’s suitable for your needs, protecting your valuables. Their knowledge and expertise mean they can guide you in assessing your requirements.
High value jewellery cover
With a specifically designed high value jewellery insurance policy, you could get improved cover levels for your property than those provided by standard home contents cover, giving you peace of mind to enjoy your home and possessions. For example, we will pay for accidental loss or damage to your household contents, fine art and antiques and valuables, during removal, transit and storage by professional removal contractors to your new permanent residence within the UK.
We will not pay for loss or damage whilst in storage for more than 15 days, and these excesses apply:
- Standard excess: £250
- Subsidence: £1,000
- Contents, fine art, antiques and valuables: £250
- Escape of water: £250
- Flood: £250
- Voluntary excess options: £0 - £1000 in increments of £50
High value jewellery insurance appraisals
Even if your needs are complex, with multiple jewellery collections, we can help mitigate the risks of underinsurance,
, which can occur if your collection expands in size or value and you do not adjust your policy. Many of our insurers offer appraisals on your high value jewellery insurance.
Flexible high value jewellery insurance policy
You can make changes to your policy at any time if you add or remove jewellery to your portfolio. Any one item, pair or set of items costing over £10,000 must be specified. The items will not be index linked, so you must ensure your sum insured is adequate.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0330 102 6062 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
High value jewellery insurance FAQs
We can tailor your high value jewellery insurance cover to suit your needs. All of the insurers on our panel include the option to provide worldwide cover for your personal possessions. It is important that you inform your account executive if you require this extended cover
All of the insurers on our panel provide worldwide coverage for personal possessions. However, you should inform your account executive if you require additional cover to ensure this is included in your requirements.
We offer a high net worth policy which can cover items including:
- Buildings (including grounds and other outbuildings such as stables)
- High-value motor vehicles
- Boats
- Fine art
- Antiques and collectibles
- Musical instruments/equipment
- Technology – laptops, desktops, tablets and mobile phones
- Cybercrime
You can make changes to your policy at any time. It is important to let us know if your sums insured requirements change so that you are not at risk of underinsurance in the event of making a claim.
This will depend on your selected policy provider, and in some cases they will request or arrange a survey of your property to assess detailed property cover requirements and any risks associated with your property. Your account executive will be able to provide more information should this be the case.
You may also be asked to provide or arrange valuations of certain items or your personal possessions. Your account executive will be able to provide more information should this be the case.
If you prefer to spread the cost of your annual premium, we offer a quick and easy Direct Debit scheme. When you choose to pay premiums in instalments, you will be paying under a premium finance plan.
We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
A policy excess is the first amount you are required to pay towards each claim made under a policy.
See our range of home and property cover
Airbnb Host
Beach Hut
Coach House
Converted Property
Flat
Flat Roof Home
Flood Risk
French Holiday Home
Home
Home Business
Home Insurance with a Criminal Conviction
Home Insurance with CCJ
Home Insurance with Previous Claims
Home Renovation
Ireland Holiday Home
Listed Property
Lodgers
Model Railway Insurance
Non-Standard Construction
Park Home
Private Clients
Probate House
Second Home
Solar Panels
Spanish Holiday Home
Subsidence
Tenants
Thatched Property
Unoccupied Property
Working from Home
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