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cybermatt84 | Which Insurance Broker Is Best For Single Items Of Jewellery |
Recently, I bought my then girlfriend an engagement ring and I would like to get it insured.
However, our home & contents insurance cover only offers vouchers to the value of the jewellery with one of their certified suppliers (one of the big chains most likely).
As I bought the ring from a Jeweller who made it bespoke to my requirements, I would much rather (in the awful circumstance that we lost or had the ring stolen) have an insurer who will give me cash so I can go back to the same jeweller and get it replaced properly, not with some crappy chain.
The Jeweller has provided me with valuation certificates and obviously receipts for the ring and I've taken plenty of photos of it.
So basically, I just need to know if anyone can recommend insurers (for the UK) who can provide a single-item cover as I've described? |
 |
 
mbrcatz
|
Well, you'll get cash based on the WHOLESALE value of what your insurer can replace it for, not based on your appraisal or receipt.
But you'll have to buy the coverage through a local agent, anyway. Your BEST bet, is finding another homeowners carrier that will write it the way you want it. Any "jewelry only" policy is going to have more restrictive coverage (oops I lost it won't be covered), and cost a WAY lot more. |
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Tom Z
|
I would explore two options:
Jewelers often can provide insurance for single items. Perhaps your jeweler does not offer that option as you don't mention it. Failing that I would contact a broker that represents the Chubb Group. Chubb offers an excellent jewelry floater with an option to purchase coverage on a stated value basis where, in the event of a loss, you will be paid the amount that you insured the piece for. |
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Candi A
|
Lexington Insurance. I insured one of my clients with Lexington for her $65,000 ring and she lost it 3 months later. Lexington paid out without issues. You will have to find out if the UK will be an issue or not, but I don't think so. Let me know if you need a company to become a appointed with so that you have access. I am not sure how big of a producer you need for a direct appointment with Lexington, but I have provided the web address so you can contact them. |
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victoria f
|
I normally use Jewelers Mutual, But I believe they are only in US, but for future reference maybe.
Check them out.
www.jewelersmutual.com
Take care |
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