Your Ring Deserves the Best Protection
A Ring is often much more than a piece of jewelry – it symbolizes love, commitment and important moments in your life. Whether you have a engagement ring, wedding ring or precious diamond ring property – your ring deserves optimal protection against theft, loss and damage.
A standard home contents insurance policy often covers rings up to maximum €2,500-€10,000 and offers no coverage outside the home or in case of loss. With an average price for engagement rings between €5,500 and €8,000 additional valuables insurance is essential.
At Finass Verzekert we compare ring insurance policies from 30+ insurers. You get worldwide coverage, protection against loss and the best premium – so you can enjoy your ring worry-free.
Which Rings Do We Insure?
All types of rings can be insured, from engagement rings to heirlooms:
Engagement ring
Solitaire, halo, trilogy
Wedding ring
Smooth, diamond, bicolor
diamond ring
Solitary, eternity, cluster
Heirloom ring
Antique, vintage, family
Gemstone ring
Sapphire, ruby, emerald
Cocktail ring
Statement, colored stones
Eternity ring
Busy all around
Anniversary ring
Gift, commemoration
Popular Diamonds & Gemstones
Home contents insurance vs. Ring insurance
Why is standard home contents insurance insufficient for your ring?
❌ Standard Home Contents Insurance
- ✕ Jewelry max. €2,500-€10,000
- ✕ No coverage outside the home
- ✕ Loss/loss excluded
- ✕ No worldwide coverage
- ✕ Current value instead of appraised value
✓ Ring valuables insurance
- ✓ Higher limits (€50,000+)
- ✓ Fully covered outdoors
- ✓ Loss & misplacement covered
- ✓ Worldwide coverage 24/7
- ✓ Appraised value guaranteed
What is your ring insured against?
Theft & Burglary
At home, away from home, from safe
Loss & Loss
Even if you lose the ring
Damage & Breakage
Fall, punch, bend
Loss of Stones
Loose/lost diamond
World coverage
Insured for travel & holidays
Repair costs
Repair at a recognized jeweler
💰 Premium indication Ring Insurance 2025
The premium is approx 0.5% to 1.5% of the insured value per year:
| Type ring | Value | Premium/year |
|---|---|---|
| Wedding ring 14 carat gold | €1,000 | €5 - €15 |
| Wedding ring with diamonds | €2,500 | €13 - €38 |
| Engagement ring 0.25 carat | €2,000 | €10 - €30 |
| Engagement ring 0.50 carat | €5,000 | €25 - €75 |
| Engagement ring 1.00 carat | €10,000 | €50 - €150 |
| Luxury diamond ring | €25,000 | €125 - €375 |
📊 Did you know? – Facts about Rings
Dutch people are spending more and more on engagement rings. Protect your investment with the right insurance.
💎 The 4 C's of Diamonds
When it comes to the valuation and insurance of diamonds, the 4 Cs determines the value: Carat (weight), Cut (cutting shape), Color (to colour Clarity (purity). Make sure your valuation report or certificate (e.g. GIA, HRD) specifies all these properties for a correct insured value.
📋 Appraisal & Valuation Ring
The correct valuation is essential for correct insurance:
- → New ring: purchase receipt from jeweler sufficient
- → Diamond above €5,000: valuation report with 4 C's specification
- → Heirloom/antique: appraisal by a recognized jeweler/appraiser
- → Lab grown diamond: specify this separately (different value)
- → GIA/HRD certificate: always keep safe
- → Reappraisal: gold price fluctuates, revaluate every 3-6 years
💡 Tips for Ring Owners
- ✓ Keep purchase receipt & certificate safe – essential for claims
- ✓ Take pictures of your ring – from all sides, including engravings
- ✓ Have diamonds checked regularly – check whether stones are stuck
- ✓ Remove your ring when engaging in risky activities – sports, chores, swimming
- ✓ Store the ring in a closed jewelry box – or safe
- ✓ Report loss immediately to insurer & police
- ✓ Revaluate in case of significant gold price increase
