Insurance for Jewellery & Watches

For many of us, our items of jewellery could be considered some of our most cherished possessions. Be they inherited family collections accumulated over generations; special, treasured gifts or even just the occasional treat, jewellery often holds great sentimental as well as intrinsic value.

Many standard insurance policies will not cover items of jewellery that exceed certain values, and instead of looking to provide a flexible solution, they could simply exclude cover for such items, leaving you with inadequate cover and a potentially large outlay in the event of a claim.

We believe the most cost effective option is to insure your valuables as part of a complete contents insurance policy, as the coverage provided is typically of a higher standard than that of policies for jewellery alone. Therefore please note that we do not offer policies for jewellery items in isolation.

However, we would be more than happy to provide cover for your jewellery & watches as part of a high net worth home insurance policy on an all risks, worldwide basis; meaning that your personal possessions are protected no matter where they are in the world. 

Our knowledge of this insurance market means that we can facilitate the best and most flexible options to suit your needs and lifestyle, ensuring that your valuables are insured correctly.

It is important to be certain that your items and collections are correctly insured, and it is recommended that valuations are undertaken every 3-5 years in order to ensure your jewellery & watches are covered for the correct replacement values taking into account fluctuations in buying markets.

Your account executive at Lumley will keep track of your valuations and will be on hand to advise when it may be worth considering an update. We have established relationships with independent local and national professionals who we can recommend to conduct full contents validations and inventories, or to value single items.

We are also in touch with passionate and knowledgeable people who can advise you on and discreetly install appropriate security precautions in your home to suitably protect your cherished collections, such as safes, strong rooms and alarms.