We consider jewellery to be a high risk item. As standard we have a limit of £5,000 (or 20% of your contents sum insured, whichever is lower) for high risk items which are individually worth less than £1,500. If you have lots of jewellery (or other types of high risk item) which are individually worth less than £1,500 then you can contact us and we can request an increase in cover from our underwriters. Alternatively you can choose to specify items on your policy which means they are covered independent of the high risk item limit.
If an item of jewellery is worth more than £1,500 it will need to be specified on your policy.