Jewellery Insurance – Why is it so difficult to insure single items

Insuring single items of high value jewellery and watches can be challenging, most ‘standard’ home insurance providers are unlikely to cover items of jewellery worth £15,000 and above in value.

The reason for this is because insurance companies like a risk that is balanced, and if the level of jewellery is disproportionate to the general contents sum insured, it will fall outside the acceptance criteria of most insurers. In addition to this, a standard home insurance policy cannot cater for high value jewellery and watches.

So if you have been shopping at places like Graff, De Beers, Tiffany & Co or Harrods, purchasing expensive item/s or have a large jewellery collection in general, what do you do to ensure you have the right type of cover for a realistic price?

Macbeth have a number of solutions. If you would like more details about jewellery insurance, please contact Carl Sharp on 0118 9165 487 or

* Information correct as of 1st May 2016

Author: Carl Sharp | March 21st, 2010

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Carl Sharp
Get in touch:   Reading: 0118 916 5480   London: 020 7036 8767