Insure ring - Optimal protection for your valuable piece of jewelry
A ring is often much more than a piece of jewelry. Whether it is an engagement ring, wedding ring or an exclusive diamond ring , the emotional and financial value is priceless. That is why it is wise to properly insure your ring against theft, loss and damage . With a ring insurance from a reliable provider you are assured of extensive coverage, both at home and on the road.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Insure ring - Optimal protection for your valuable piece of jewelry
A ring is often much more than a piece of jewelry. Whether it is an engagement ring, wedding ring or an exclusive diamond ring , the emotional and financial value is priceless. That is why it is wise to properly insure your ring against theft, loss and damage . With a ring insurance from a reliable provider you are assured of extensive coverage, both at home and on the road.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Why take out ring insurance?
Many people think their home contents insurance provides sufficient coverage for their jewelry, but in reality, this is often not the case . Standard home contents insurance policies have a low payout limit for jewelry and do not offer coverage outside the home. Specialized ring insurance, on the other hand, offers:
✔ Worldwide coverage – protection against loss, theft and damage, wherever you are
✔ Full reimbursement – depending on the policy, you will be reimbursed for the full value
✔ Protection outside the home – also during holidays or on the road
✔ Tailor-made coverage – tailored to the value of your ring
With ring insurance, you don't have to worry about financial loss if something happens to your ring.
compare valuables insurance with all insurers, so you get the best and most competitive premium valuables insurance
What does a ring insurance cover?
A specialized ring insurance offers protection against:
💍 Theft – both at home and outside the home
💍 Loss – for example due to an accident or carelessness
💍 Damage due to drops or impacts – such as a cracked stone or a bent ring
💍 Water damage and fire damage – protection against unexpected damage
With the right insurance you don't have to worry about the safety of your precious jewelry.
What should you pay attention to when insuring your ring?
When taking out ring insurance , it is important to pay attention to the following factors:
🔹 Coverage area – Is the insurance valid in the Netherlands or worldwide?
🔹 Deductible – Is there a co-payment in case of damage or loss?
🔹 Valuation report – Is an official appraisal of your ring required?
🔹 Claims payment – Will you be reimbursed for the replacement value or the current value?
By considering these points, you choose an insurance policy that fits your ring perfectly.
How do you take out ring insurance?
Taking out ring insurance is simple. Most insurers require:
✔ An appraisal report from a certified jeweler
✔ Proof of purchase or invoice for the ring
✔ Photos of the ring as proof of its value
By submitting this data, you ensure that your insurance is exactly in line with the actual value of your jewelry.
Frequently asked questions about Valuables Insurance :
With home contents insurance you can be sure that your belongings insured against damage in the event of fire or theft. However, if you have a lot of valuable items, regular home contents insurance not enough. You will then only be reimbursed for part of the value of your belongings. So if you have a lot of antiques, jewelry, art objects or musical instruments, it is smart to take out valuables insurance
Insure your musical instrument, antique paintings or rare watch ? With Valuables Insurance , your precious belongings are well insured against damage and theft. Indoor. Outdoors. Anywhere in the world. You take out insurance per individual item. So per instrument, per painting or piece of jewelry.
Nowadays you can insurance for almost everything . This is also the case with a watch. A watch can often be an expensive purchase, especially if we are talking about a Rolex watch. You can have it (partially) insured against, for example, theft, damage or loss.
By valuables we mean different types of things. Valuables include antiques, art, high-value collections, expensive jewelry, musical instruments or expensive computers & electronics.
With us, your valuables are immediately insured worldwide. Except for art and antiques, which are only insured at your home address and indoors.
Most of your belongings in your home are covered by your home contents insurance. But not all your stuff. As an enthusiast, perhaps you have a nice collection of watches, guitars or jewelry. Or do you own paintings, art, antiques or other valuable things? Then additional valuables insurance is useful. But you don't have to be a collector to benefit from additional valuables insurance. Necklace, camera or watch: you can also enjoy the benefits of additional valuables insurance with your 'normal' valuables. Because you don't just use many of your valuables indoors: you also take them out sometimes.
Protect your ring today!
Do you want to enjoy your precious ring carefree? ring insurance today and ensure the best protection against damage, loss and theft. Compare the best insurance policies and choose the cover that suits you!
Frequently asked questions about ring insurance
Looking for jewelry insurance or specifically insuring your (engagement) ring ? Below you'll find clear answers to frequently asked questions about coverage, premiums, appraisals, and claim reporting.
Why should I insure my ring?
A ring often has a high emotional and financial value. With the right insurance, you're protected against loss , theft , and (accidental) damage —often outside the home and sometimes worldwide , depending on the policy.
Is my ring covered by my home contents insurance as standard?
to a limited extent by home contents insurance , usually only indoors and up to certain limits. A separate jewelry insurance policy usually offers more extensive coverage, including outdoor use and sometimes loss .
How much does it cost to insure my ring?
The premium is usually a percentage of the insured value and depends on factors such as the value, the material/bricks, the coverage chosen, your location, and security measures. Request a free quote for an exact premium.
Do I need a valuation report?
recent appraisal report or purchase receipt for (more expensive) rings . Have the ring reappraised periodically (e.g., when it increases in value or every few years) to ensure the insured value remains current.
What exactly does ring insurance cover?
Depending on the conditions: theft , loss , damage (e.g., missing stone, scratch, deformation), and often worldwide coverage . Payment can be based on repair or replacement (at new value or current value).
Does the insurance also cover outdoor use and while travelling?
Yes, provided you choose outdoor and/or worldwide coverage . Check your policy or enable these options if you frequently wear your ring outdoors or on vacation.
Is there a deductible?
Often, yes. The deductible varies by insurer and plan. Sometimes you can adjust or buy it out . Keep in mind that this will affect the premium.
How do I determine the correct insured value?
Use the purchase receipt or a current appraisal report . If precious metal or diamond prices rise, indexation or periodic revaluation be necessary to prevent underinsurance.
How do I report damage or loss?
Report it as soon as possible. In case of theft, file . Keep your receipt/valuation , photos, and (if applicable) a repair quote ready. Follow your insurer's instructions for a quick process.
