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We recommend to contact TH March who can offer you a range of insurance options to cover your jewellery and watches if they are lost, stolen or damaged.
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You have planned the proposal, chosen the perfect engagement ring that you know she will love and everything is looking wonderful for planning a future together. When you are caught up in the excitement and celebrations of getting engaged it is very easy to overlook the possibility of what could happen if the valuable engagement ring that you have chosen is lost, stolen or damaged. No one really wants to consider any of these awful things happening but sadly it is a fact of life that these things are possible. Hopefully you will never be unlucky enough to experience loss through theft, but damage to jewellery is actually quite common. Diamonds can become lose and come away from the ring, your fiancés engagement ring could become caught on a piece of clothing so damaging the setting or diamonds. Sadly this type of damage is very rarely covered by a jewellers warranty therefore you will be left out of pocket if your engagement ring is not covered by an insurance policy. The love and commitment your ring represents is just as valuable as its material worth, so insurance is a way of protecting the ring’s actual value
. Finding the right insurance policy for your engagement ring
Firstly you need to ask yourself, “can I afford to replace this engagement ring if it is lost or stolen?” If not, then it is vital to invest the time and money it takes to secure insurance. It is crucial that you carefully check what cover of your prospective insurance policy offers you with a tooth comb as not all polices offer the same level of cover. Factors to consider are:
Ensure that you engagement ring is professionally valued
When taking out insurance always ensure that your engagement ring has been professionally valued and that you have photographic records to verify its appearance and condition. Keep your original purchase receipt as you may need to prove how much you paid for your engagement ring.
Use a specialist insurer
As tempting as it may be to add your engagement ring onto your household and contents insurance policy, it us always advisable to take out specific cover from a specialist jewellery insurance broker particularly if your engagement ring is worth more than £1500 Insurance companies dedicated to providing insurance for items of jewellery you can rest assured that you will be receiving the comprehensive cover available. Here at Reve Diamonds we are very happy to help with providing advice on insurance cover for your engagement ring, and provide a valuation service for insurance purposes and that can be used when obtaining quotes for your cover.