Comprehensive worldwide
- loess of a ring
- Theft outside the Home
- Damage
Insuring jewelry
Jewelery is worn, and that is where this policy beats home contents insurance: loss without a break-in, without a witness and without an identifiable cause is insured here.
- Several insurers compared objectively
- 9.5 customer rating for a New policy
- AFM license 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
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- We compare the offerings of Several insurers
- An advisor checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not Personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- several insurers
- Switching arranged
- Help with claims
In letter
You insure jewelery as individually described items with worldwide comprehensive cover that also includes loess. That word is the whole difference. home contents insurance pays for theft after forced entry and little else. A ring that slips off your finger or an earring that disappears while you are out is covered nowhere there, not even up to the sub-limit for valuables on your policy schedule.
The sum insured is the agreed value, set out in a report drawn up as intended Article 7:960 of the Dutch Civil Code. With jewelery that deserves extra attention, because the price of gold and gemstones moves while your policy schedule stands still. If the valuation expires or is out of date, you fall back on market value when a loss occurs and underinsurance arises that you only notice at the moment of the loss.
Set against that wide Cover are conditions about Storage and wearing. Under most policies, pieces you rarely put on belong in a safe; outside the safe there is then cover only while you are wearing them. Sentimental value is paid for nowhere: a valuer values material and craftsmanship. You can read more about this type of policy under Valuables insurance.
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Jewellery: What is covered?
The structure of the cover in three parts, with an overview per Situation below.
Valuation
Gold and gemstone prices rise. The amount has to move with them.
- Article 7:960 of the Dutch Civil Code
- Every three to five years
- Describe heirlooms
Storage
Safe clauses for pieces you rarely wear.
- A safe with a Valuables rating
- Alarm
- Keep the photograph and Valuation separately
What is covered
| Situation | Valuables | Home contents |
|---|---|---|
| A wedding Ring lost | Yes | No |
| Theft from a bag | Yes | No |
| Theft at Home during a burglary | Yes | Sometimes |
| A stone fallen out of its setting | Yes | No |
| Outside the safe when it should have been inside | No | No |
| Sentimental value | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the Insurance card (insurance card) of the insurer; you receive both before you take out Cover. Taking out Cover without advice? Then read what Execution only means for you.
What does your Premium depend on?
- Total valued amount. The sum of the individually described pieces on the policy schedule.
- Number of pieces and how often they are worn. Jewelery worn daily runs a different risk from what is kept in the safe.
- Security and safe grade. Whether there is an anchored safe with a Valuables rating and a certified alarm.
- Area of cover. Worldwide Cover costs more than Cover limited to the Netherlands or Europe.
- Period of validity of the Valuation. A recent valuation with an index provision is viewed more favorably than an out-of-date report.
- Excess. Per event; with loss Cover a different amount is often agreed.
Insurers weigh these details differently. That's where your saving is.
How we arrange it
- You Request a quoteWe take stock of your Situation, your risk and your wishes.
- We CompareSeveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in Cover.
Why arrange it through Finass Insures?
We look at the terms as well as the premium, and stay your point of Contact when there is a claim.
Independent
We are not tied to one insurer and Compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centers.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without Cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies BV or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
loess is covered, but you have to make it plausible
With a loss there are no signs of forced entry, no witness and often no exact place. So the insurer tests your account against the file: the Valuation, the photographs and the circumstances you report. Make that report as soon as reasonably possible, as Article 7:941 of the Dutch Civil Code requires, and report it to the police where theft cannot be ruled out. A statement that is revised later costs you more than an incomplete first notification.
The safe clause determines when you are in fact covered
Above a certain value insurers include a safe clause. It prescribes not only that there is a safe, but also when the jewelery may be out of it: usually while you are wearing it and while you are taking it there. If a necklace is in a jewelery box in the bedroom while the clause provides otherwise, theft of it is not covered. When staying away and on holiday, watch the requirements for a hotel safe.
Revaluation is not a formality here
Gold, platinum and certified stones move with the market, while your sum insured stays where it was. Insurers therefore work with a period of validity for the Valuation, often three to five years. Once it expires, the protection against underinsurance falls away and the insurer works with the market value at the time of the loss. Put the expiry date in your diary; this is the most common cause of a disappointing payment in this category.
A stone coming loose is often maintenance
If a brilliant disappears from its setting because the claws were worn, the insurer relies on wear and tear and deferred maintenance, and those are excluded. If you knock the ring hard against something and the stone comes out, there is a sudden event. Have settings checked periodically by a jeweler and keep the receipt: that is the evidence with which you avoid the argument about maintenance.
A Valuation is only a Valuation with the right basis of value
For protection against underinsurance, the report must be drawn up as referred to in Article 7:960 of the Dutch Civil Code, with the additional provision on value. A dealer's value statement does not always meet that requirement. The amount is then fixed for the term of the Valuation. If the Valuation has expired at the time of the loss, you fall back on market value.
Build your file when you buy, not when you claim
In the event of loss or theft, the first question is whether the item existed and what it was worth. Keep the purchase invoice with the serial number, the Valuation report, the box and the papers, and photograph everything from several angles. Store that digitally and not only at home; after a fire or burglary that is often the only evidence left.
Frequently asked questions
This is what people ask us most.
My Ring slipped off my finger in the sea. Will I be paid for it?
On a valuables policy with loss cover, in principle yes, provided the piece is individually described and you comply with the policy conditions. Report it at once and describe the circumstances factually. On home Contents insurance this is never covered, because loss is not an insured peril there and there is also no cover of any kind away from the home.
How often do I need a new Valuation?
Most insurers apply a period of three to five years for jewellery. Within that period the valuation report protects you against underinsurance. After that it doesn't. If the gold price has risen sharply in the meantime or you have had a piece altered, have a new valuation carried out sooner. The cost of that does not weigh against a payment at market value.
Can I ensure an heirloom without a purchase invoice?
Yes, on the basis of a valuation. A specialist valuer describes the material, weight, hallmarks, stones and craftsmanship and establishes the value from that; the invoice is then not needed. What you don't get back is the provenance: the sentimental value of a piece from your grandmother is not an insurable interest. So have the piece photographed and described in detail.
Does my jewelery have to be in the safe when I am on holiday?
Almost always, and that is set out literally in the safe clause. An empty home is the classic moment for a burglary and insurers tie the cover firmly to it. If you take jewelery with you, check whether the policy imposes requirements on storage at the hotel and whether it is covered while you are travelling. In luggage you hand over, it usually is not.
Every Situation is different. For these situations we have a separate page.
- Compare Valuables insuranceThe main page
- Insuring a WatchValuation, wearing clause, worldwide
- Insuring camera equipmentOn location, hired equipment, professional use
- Insuring ArtProvenance, transportation, climate
- Insuring a CollectionInventory list, additions, partial loess
- Insuring a CartierCartier, Valuation under Article 7:960 DCC, wearing and safe clause
- Insuring a wine CollectionCellar, temperature, rising value
- Insuring a RolexRolex, Valuation under Article 7:960 DCC, wearing and safe clause
Read more
Ready to Compare?
Request a Quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our Service
Finass Verzekert is a trading name of Finass Advies BV We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our license, Chamber of Commerce and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Insures (LinkedIn). Last updated on .
The information on this page is general in nature and is not Personal advice.