Diamonds are Forever

The value of jewellery can be far more than the purchase price. It’s often special, meaningful, and irreplaceable. And unfortunately, sometimes it gets lost or stolen.

Over 50 Insurance understands the negative effect losing something so precious can have on our customers. We’re not just here to make emotional assurances. We’re here to do what we do best: helping you recover as much of the monetary value as possible if the unthinkable happens.

This said, there are a few easy things you can do to protect your jewellery from ever being lost or stolen.

Simple tips to protect your jewellery

Tell us about it

Our contents insurance includes automatic cover for individual pieces of jewellery and watches up to a fixed amount. If you have a lot of jewellery – even if each piece is worth less than our limit, the maximum we’ll pay is r up to 15% of your total contents insurance, whichever is higher.

If you have an individual piece worth more than the covered limit, or you have several pieces of jewellery that are of significant value individually you need to tell us so we can add them to your policy.

Get it valued

Valuations help avoid disputes and make the claims process smoother, easier and quicker. Getting your jewellery regularly valued keeps everyone on the same page and avoids disappointment in the case of a claim.

We recommend getting your high value jewellery valued by a qualified valuer, appraiser or jeweller at least once a year and updating your policy accordingly. It’s a good idea to keep your valuations in the same place as your policy.

Look after it

Jewellery can get damaged, particularly if you’re wearing it all the time. Things like stones falling out or claws and clasps getting damaged are particularly common.

The best idea is to get your jewellery regularly maintained by a qualified jeweller. This is especially important if you know there’s something wrong with it – otherwise it may not be covered if you need to make a claim.

In many cases, a jeweller will also be able to value your jewellery at the same time.

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