Properly insure valuable jewellery
Discover nextsure's bespoke jewellery insurance for comprehensive protection of your most treasured pieces against theft, loss, and damage. Easily and digitally secure your rings, necklaces, watches, and heirlooms.
Comprehensive All-Risk Protection
Worldwide Validity
Swift claims processing
Why jewellery insurance is essential
Protection against Theft & Robbery
Protection against simple loss
Coverage for Damages
Worldwide protection often included
What risks does a jewellery insurance cover?
A high-quality jewellery insurance policy, often designed as an all-risk coverage, offers comprehensive protection for your most valuable pieces, far beyond what a conventional home insurance policy provides. At its core, it protects you against a range of risks that can threaten your jewellery. This primarily includes theft, whether through burglary from your home, robbery, or simple theft while you're out and about. The loss of your valuables is also insured – such as a ring slipping unnoticed from your finger or a necklace becoming irretrievably dislodged. Damage is also a key part of the protection: for instance, if a diamond falls out of its setting, a bracelet breaks, or an earring gets bent, the insurance applies. Additionally, damages caused by fire, water leaks, or natural events like storms and hail are often covered. The specific conditions and exclusions (e.g., intentional damage, normal wear and tear) should always be referenced in the detailed terms of the contract. The all-risk coverage implies that everything is insured unless explicitly excluded, providing very extensive protection for your jewellery. nextsure places great importance on ensuring you fully understand what your jewellery insurance covers.
Exclusive Protection
Your jewellery is in the best hands
Theft protection
Worldwide protection against theft and robbery.
Loss protection
Protection against the simple loss of your valuables.
Damage
Coverage for breakage, scratches or deformation.
Comprehensive insurance
Comprehensive cover against unforeseen events.
Valuation Report
Support in the valuation of your jewellery.
New value
Replacement at new value for quick replenishment.
Worldwide
Your jewellery is protected while travelling.
Digital Service
Simple online application and claims reporting.
Excellent advice
Our experts are here to assist you with any questions.
Comprehensive protection for what matters to you – digital and straightforward with nextsure.
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Contribution to your jewellery insurance
How to correctly determine the value of your jewelry
The accurate valuation of your jewelry is a crucial step for optimal insurance coverage and smooth claims handling in the event of loss. Setting the insurance sum too low leads to underinsurance and financial losses, while an excessively high sum results in unnecessarily high premiums. There are several recognized methods for valuation. The most reliable is a current appraisal by a certified jeweler or expert, especially for valuable single pieces or heirlooms without a purchase receipt. This appraisal should document the replacement value in detail. Alternatively, detailed purchase receipts, original certificates (e.g., for diamonds), and meaningful photographs can serve as proof. It is advisable to store all relevant documents safely and separately from the jewelry items. Since the value of jewelry, particularly due to precious metal and gemstone prices, can fluctuate, it is recommended to regularly review and, if necessary, update the insurance sum, for example, every two to three years. nextsure supports you with any questions regarding an accurate valuation to ensure that your precious jewelry is adequately insured.
Differences: Jewellery Insurance vs. Household Insurance
Although a household insurance policy generally includes valuables such as jewellery, it often provides only limited coverage, which may not always cater to the specific risks and high value of jewellery. A key difference lies in the insured amounts: in household insurance, valuables are often covered only up to a certain percentage of the total insured sum (e.g., 20-30%) and frequently with a cap per item. High-value jewellery can quickly exceed these limits. Furthermore, household insurance usually only covers certain perils such as burglary, fire, or water damage. In contrast, a specific jewellery insurance typically offers all-risk coverage. This also includes risks such as simple theft outside the home, loss, or damage due to one's own carelessness. Another benefit is often worldwide cover without time restrictions, whereas the external cover of a household policy is usually limited in time and location. For valuable jewellery, particularly heirlooms or collections, a dedicated jewellery insurance is therefore often the better choice to ensure comprehensive and tailored protection. nextsure helps you find the right protection for your needs.
Valuables on the Go: Protection While Travelling
Anyone travelling with valuable jewellery wants to ensure it's optimally protected whilst on the move. A good jewellery insurance policy offers worldwide validity, ensuring your precious items are safeguarded not only at home but also during your travels against theft, loss, or damage. Before travelling, review the specific conditions of your policy regarding coverage and any potential restrictions. It's advisable to only take the jewellery you actually intend to wear, and possibly refrain from bringing particularly valuable or irreplaceable pieces. Keep jewellery securely in the room safe or hotel safe. Be particularly vigilant in busy areas or tourist spots. If you do experience a loss, report a theft to the local police immediately and contact your insurer as soon as possible. Document the incident thoroughly and keep all receipts. nextsure offers jewellery insurance with comprehensive travel protection, allowing you to enjoy your valuables worry-free even far from home.
What to do in case of a loss: when jewellery is stolen or damaged?
A damage incident, be it theft or damage to your valuable jewellery, is always an unpleasant situation. To ensure a swift and smooth settlement through your jewellery insurance, correct action is crucial. In the event of theft or robbery, report it immediately to the police and obtain a copy of the police report. Then promptly report the damage to your insurance – at nextsure, you can often do this digitally and easily. Keep your contract number ready. For the damage report, you typically need evidence of ownership and the value of the affected jewellery items (e.g. purchase receipts, appraisals, certificates, photos). When it comes to damage, also document the damage with photos and, if necessary, obtain a repair estimate. Do not dispose of damaged items before speaking with the insurance company. Complete and honest information speeds up the process. Our experts at nextsure guide you through the entire claims process and are available for any questions.
Art insurance
Protection for your collection
Watch insurance
Secure exclusive timepieces
Home Contents Premium
Enhanced protection for your home
Prevention: Tips for Safe Storage of Jewellery
The best protection for your jewellery starts with prevention. By carefully storing and handling your jewellery prudently, you can significantly reduce the risk of theft and loss. For home storage, a certified safe (safe deposit box) professionally installed is recommended. Alternatively, a safety deposit box at the bank can be a secure option for particularly valuable pieces that are not worn daily. Avoid obvious hiding places like the jewellery box in the bedroom. When wearing jewellery, be aware of your surroundings, especially in busy places or when travelling. Do not leave valuable jewellery in plain sight, such as in the car or changing rooms. Create a detailed inventory of your jewellery pieces with photos, detailed descriptions, copies of purchase receipts and appraisals. Keep this inventory separate from the jewellery. These measures not only help to prevent damage but also facilitate processing in the event of an insurance claim. nextsure is happy to advise you on sensible prevention measures.
Cost factors: What influences the premium of your jewellery insurance?
The premium for jewellery insurance is influenced by various factors that reflect the individual risk. The most significant factor is the total value of the jewellery pieces to be insured – the higher the value, the higher the premium. The type of jewellery (e.g. watches, rings with large gemstones) can also play a role. Another important aspect is the security measures taken: Storing them in a certified safe or bank safe deposit box can reduce the premium. The chosen scope of coverage, especially whether worldwide all-risk cover is desired, also affects the costs. The amount of any agreed excess also plays a role: A higher excess generally leads to a lower premium. Finally, your place of residence and your previous claims history can also be included in the calculation. nextsure calculates fair and transparent premiums based on an accurate risk assessment, to provide you with optimal and affordable protection for your valuables. Use our online calculator or contact us for a personalised quote.
Digital Jewellery Insurance with nextsure: An Overview of the Benefits
nextsure is revolutionising the jewellery insurance sector as a digital insurance platform. Our aim is to provide you with modern, transparent, and hassle-free access to tailored insurance coverage. Completing your jewellery insurance with us is entirely digital—from quote calculation and application to contract management. This saves you time and effort. You benefit from clear and understandable insurance terms without hidden clauses. In case of claims, we facilitate a swift and digitally aided processing. As a specialist in niche insurance, we understand the specific needs involved in protecting valuable items. Our experts are available to assist you competently despite all digital processes and offer individual advice. Discover the benefits of jewellery insurance that adapts to your digital lifestyle while offering the highest level of protection and service—experience jewellery insurance with nextsure.
Does the jewellery insurance also cover inherited pieces without a purchase receipt?
Jewellery is often much more than just an item of material value; heirlooms or gifts, in particular, carry an invaluable emotional worth. Insuring such pieces with jewellery insurance can therefore be of particular significance to at least compensate for the financial loss in the event of theft or destruction. Heirlooms often lack the original purchase receipt, which complicates the valuation process. In this case, a current appraisal from a qualified jeweller is essential to establish the replacement value and serve as a basis for the insurance sum. Detailed photos and descriptions of the pieces are also very important. Although no insurance can replace the sentimental value, a good jewellery insurance policy offers the reassurance that in the worst-case scenario, the funds are available for adequate replacement or a comparable memento. nextsure understands the sensitivity surrounding the topic of heirlooms and provides comprehensive advice on how to insure these special treasures optimally, to protect an emotional legacy alongside the material value.
