Wedding ring insurance

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Giving and receiving your wedding ring is an important milestone in any person’s life. In addition to the metal and stones it is made from, it holds a lot of sentimental value, making it one of the most valuable items most people carry.

The value of your wedding band can increase over time so it’s well worth getting it valued before researching insurance quotes. This will ensure that your jewellery is insured for the accurate amount and that there are no nasty surprises if you need to make a claim, as most policies have a single item limit. If your wedding ring is worth more than the claim limit allows, you must specify it individually on your policy.

Proof of ownership for claims

As well as valuations from jewellers, it’s a good idea to keep an inventory of your jewellery with a description or photo. This can also be used by the police if your ring is stolen, since claims for stolen items will require a crime reference number to be processed.

Cover away from the home

Your ring might not be covered away from the home, only within the boundaries of your property. Make sure that you are comfortable with the level of cover included in your policy, and buy extra cover for outside the home if you need to.

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