Jewellery Insurance
Cover your rings, chains and treasured pieces
Jewellery insurance is all-risk cover for the pieces you wear and carry - engagement and wedding rings, chains, earrings and heirlooms - protecting them against theft, loss and accidental damage at home and wherever you go.
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Jewellery Insurance
- Theft & loss
- Accidental damage
- Specified valuables
- Cover anywhere
What's covered
What jewellery insurance covers
Theft & loss
Covers pieces that are stolen or accidentally lost, such as a ring slipping off unnoticed.
Accidental damage
Bent settings, chipped stones and other accidental damage to your jewellery.
Specified valuables
List high-value items individually so they're covered for their full worth.
Cover anywhere
Protection at home, at work, on holiday and everywhere in between.
Why it matters
Why jewellery insurance matters
- Fine jewellery is valuable, easily lost and a common target for theft and snatching.
- Home contents cover often caps jewellery and rarely covers it once you leave the house.
- A lost stone or stolen ring can carry deep sentimental as well as financial value.
- Specifying high-value pieces means they're insured for their full, agreed worth.
- A recent valuation certificate helps set the right cover amount and speeds up claims.
At a glance
- Theft & loss
- Accidental damage
- Specified valuables
- Cover anywhere
Guides
Jewellery insurance guides
What affects the cost of jewellery insurance
Read guide →Why you need a jewellery valuation for insurance
Read guide →Watch insurance in South Africa
Read guide →Jewellery loss cover versus theft cover
Read guide →Jewellery cover away from home
Read guide →Jewellery insurance versus home contents cover
Read guide →Get a jewellery insurance quote
Compare cover from trusted South African insurers - free, in about a minute, with no obligation.
Get a Quote NowFAQ
Jewellery insurance questions
Do I need a valuation for my jewellery?
For higher-value pieces, insurers usually ask for a recent jewellery valuation or purchase receipt to set the insured amount. This ensures you're covered for the correct value and helps at claim time. Keep valuations up to date, as gold and gemstone prices change over the years.
Is my engagement ring covered if I lose a diamond?
All-risk jewellery cover typically includes accidental loss and damage, such as a stone falling from its setting. There's usually an excess, and some insurers may require the piece to be checked periodically. Confirm the terms for stone loss and settings when you compare cover.
Can't I just rely on my home contents policy?
Home contents cover often limits jewellery to a set amount and mainly protects it inside your home. Since jewellery is worn out and about, that leaves a gap. All-risk jewellery cover follows the pieces wherever you go, which is why many people insure valuables separately.
How do I insure an inherited or heirloom piece?
Heirlooms can be specified individually once you have a valuation reflecting current worth, including any antique or craftsmanship value. Because sentimental items are irreplaceable, adequate cover matters. Ask insurers how they handle antique and inherited jewellery, and compare limits before deciding.
