Understanding Your Jewellery Policy
Our jewellery insurance policy has been specially designed by us with the underwriter at Lloyd’s of London.
Whether you’ve had your ring stolen, accidentally dropped it somewhere or lost a stone from the ring, you will be covered.
We protect your jewellery no matter where you are – whether you’re at home or traveling across the globe.
Our policy has no exess and no hidden fees. We aim to be as clear and transparent as possible.
We reward loyalty! If you stay with us next year with no claims we will reduce your renewal premium at least by 5%.
We know jewellery has great sentimental value, so we will never force you to accept vouchers or replacement you don’t like.
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.
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.
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.
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.
You only really know how good your insurance broker is when you need to make a claim. We're committed to resolving your claims and make you whole in days, not months.
From the moment you tell us about your claim until the moment you receive your settlement we will be with you and take away the pain.
We understand your treasured finds reflect your own personal journey, and that the larger your collections become, the greater your need for the right protection.
For more than 10 years we have been servicing HNW clients and understand their demands and expectations. We're proud of our glowing 5-star reviews from our happy clients!
What Our Clients are Saying
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.
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Chelsea Insurance Brokers is a Trading Name of Kensington Insurance Brokers, who are Authorised & Regulated by the Financial Conduct Authority.
- Jewellery Insurance
- Fine Art & Collectibles Insurance
- Home & Contents Insurance
- Business & Commercial
85 Tottenham Court Road
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020 7937 9092
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