Engagement Ring Insurance
Protecting what matters most…
Give your ring the unique coverage it deserves. Give yourself peace of mind. Jewellery insurance through Chelsea protects what matters most.
Easy Process
Best Value
Personal Touch
Lost Gems Cover
Understanding Your Jewellery Policy
Our jewellery insurance policy has been specially designed by us with underwriters at Lloyd’s of London, the world’s leading insurance market.
All Risk
Whether you’ve had your ring stolen, accidentally left it behind on the beach or lost a stone at the gym, you will be covered.
Worldwide
We protect your jewellery no matter where you are – whether you’re at home or traveling across the globe.
No Excess
Our policy has no excess and no hidden fees. We aim to be as clear and transparent as possible.
Peace of mind
We will coordinate your claim making the process simple and stress-free.
Like-for-like replacement
We know jewellery has great sentimental value, so we will never force you to accept vouchers or replacement you don’t like.
Important Details
Joint Policy
We suggest you have joint names on the policy so you both are fully protected, can file a claim or renew the policy. When purchasing you will be able to add joint policyholder. This doesn’t affect the premium.
Supporting Documents
For items over £2,500 we would need a copy of either Valuation (from any reputable jeweller or registered valuer) or Purchase receipt.
Don’t worry if you don’t have this to hand – you will have 3 weeks to provide required documents. Good news – for cheaper items you don’t need to provide anything.
New Items
You can add new items to your current policy. (For example your wedding rings) Just email us confirming the type and value of the item so we can calculate your additional premium if there is any.
Claim Settlement
We don’t offer vouchers where you must purchase the replacement at a specific jeweller. Whenever possible, the replacement will be made bespoke for you, hallmarked & delivered to your home address.
Our experienced and friendly claims team will always work closely with you to agree the replacement. If they are unable to replace the item insured they may settle your claim in cash.
Sum Insured Increase
Our insurance is not index linked as the items insured are individual items which should be regularly valued.
If you decide to increase the sum insured for any item over £2,500 we will ask for new valuation.
Expert Policy Design and Guidance
As a specialist broker, we go beyond standard insurers. Our team understands the unique risks faced by luxury homeowners — from listed property considerations to rare art collections. We work with leading underwriters to build high value home and contents insurance policies that fit your exact requirements. This means your cover is neither too limited nor unnecessarily inflated, saving you cost and ensuring true protection.
Trusted by London’s Most Discerning Clients
Based in Mayfair, we serve private clients who expect both discretion and expertise. From coordinating valuations for your jewellery and art to arranging combined property and contents policies, our FCA-regulated approach delivers confidence and convenience. We can help you choose between a stand-alone contents policy or a combined home and contents solution, depending on your lifestyle.
how our insurance protects your things
Theft
Protect your precious engagement ring from theft with our insurance coverage. We offer comprehensive protection and will cover the full value of the ring.
Coverage For All
We believe everyone deserves to have their engagement ring insured. Our coverage options extend to all rings, regardless of the owner or value.
Accidental Damage
Accidents happen, but with our insurance, your engagement ring is covered against accidental damage and loss.
Worldwide Coverage
Whether at home or abroad, our engagement ring insurance provides worldwide coverage for your peace of mind.
Contact Us
What Our Clients are Saying
Jane Turvey
I have been a customer of Chelsea Insurance since 2017 with the insurance of my partners engagement ring. This was simple process with great communication skills and a fantastic price. Each year the price has reduced and the service has never faltered. I have now included both of our wedding rings, and my partners diamond earrings to the policy and the price remains incredible and the service is one of the best I have ever received. I would never move from Chelsea insurance and would highly recommend this service to anyone.
Mike Strong
Julie Eaton
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Insure the items you love…
Chelsea Insurance Brokers are a trading name of:
Kensington Insurance Brokers
Authorised and Regulated by the Financial Conduct Authority: 445714
Company Registration Number: 03001530
Our Services:
- Jewellery Insurance
- Fine Art & Collectibles Insurance
- Home & Contents Insurance
- Landlord
- Business & Commercial
Our Address:
4 Old Park Lane, Mayfair
London
W1K 1QW