Jewellery & Watch Insurance
Expert insurance advice to safeguard your high value jewellery, diamond rings and unique watch collections.
Our discerning clients treasure their jewellery and expect the best protection that works with their lifestyle. We’ll design an insurance policy that flexes as your high value collection grows and changes, and advise on best-practice security and care.
Who we support
Jewellery collectors
High-Net-Worth professionals
Our clients are telling us
Do you know the true value of your jewellery?The importance of a professional jewellery valuation
Our ecosystem spans a range of services:
Security
- Architectural
- Cyber
- Personal
- Physical
- Reputational
Asset advisers
- Art collection
- Management valuations
- Shipping and packing
- Tax management
- Wealth management
Property
- Acquisition
- Construction
- Maintenance
- Surveying
Lifestyle
- Jewellery
- Luxury escapes
- Supercars
- Watches
Security
- Architectural
- Cyber
- Personal
- Physical
- Reputational
Asset advisers
- Art collection
- Management valuations
- Shipping and packing
- Tax management
- Wealth management
Property
- Acquisition
- Construction
- Maintenance
- Surveying
Lifestyle
- Jewellery
- Luxury escapes
- Supercars
- Watches
Why do you need specialist insurance for your jewellery?
A specialist policy is the best way to maximise protection for your precious items.
Standard policies often contain warranties that mean your jewellery is not covered if it’s left on your dressing table, rather than stored in a safe when it’s not being worn.
Only a handful of insurers provide specialist policies for higher value items and collections, and Partners& works closely with these third party companies to offer you:
Better premiums: with individual risk assessments, the insurer obtains a more accurate picture and you don’t pay for others’ carelessness.
Less restrictive small print: jewellery on your dressing table may be uninsured on a standard home policy – many carry small print clauses that nullify the cover for jewellery not being worn or in a safe.
Choice of jeweller for repair/replacement: would vouchers for a high-street outlet really replace your precious pieces? Some insurers insist you use their supplier to keep their costs down.
Valuation advice: gold and gem prices change with fashion and trends – without good advice from our wider ecosystem, you could be paying over the odds or be under-insured. After a theft, the last thing you need is a tussle over the value of each lost piece.
Extra covers: if you lose one earring the insurer will replace both. And the insurer pays the pre-agreed value regardless of subsequent wear and tear or depreciation.
Cash claims settlement: specialist policies pay out claims in cash, so you can choose whether/how to replace.
Talk to us about appraisals and our panel of recommended valuers.
Get in touch to discuss how you can remain covered whilst travelling.
It’s not always straightforward to match new pieces with old – ask us about Pairs & Sets cover.
Even an excellent repair can impact the value – ask us about Depreciation insurance.
Any Questions?
Contact the team
Nick Luxton
Partner, Private Client Business Development