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The pearl may be “the queen of gems and the gem of queens”, but if your necklace breaks and your pearls scatter far and wide it could prove royally expensive to buy a replacement…unless you have been wise enough to invest in necklace insurance.
And it’s not just pearl necklaces, of course – diamonds may be a girl’s best friend, but if you lose one of those precious stones your diamond necklace will be rather less than flawless…unless you have the right jewellery insurance in place to cover the cost of having a new diamond fitted.
That’s why it might be a sensible plan to protect your necklace with a relatively cheap jewellery insurance policy…and just as sensible to compare a range of high-value jewellery insurance quotes in order to ensure you find the very best necklace insurance at the best possible price.
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Can I insure an antique necklace?
Yes, it should certainly be possible to find antique jewellery insurance for your pearl necklace or diamond necklace.
Although the market price of platinum, gold and silver can fluctuate dramatically over time, many items of antique jewellery, particularly those featuring gems (such as pearls) or precious stones (such as diamonds), will retain much of their value over the long term, and many may even appreciate in value.
However, it is worth bearing in mind that antique jewellery will almost certainly need to be appraised by a specialist. If your insurer doesn’t ask to see an appraisal when you take out your jewellery insurance policy, they will almost certainly need one if there comes a time when you need to claim on your insurance.
It is also worth mentioning that for very high value items of jewellery – with valuations of £10,000 or more, for instance – some insurance companies may insist that the necklace is re-appraised on an annual basis, which obviously adds to the overall cost of insuring your jewellery.
Can I insure my high value necklace if it is a family heirloom?
Again, the short answer is probably ‘yes’.
Many family heirlooms are also antiques, so in those cases the points discussed above about insuring antique jewellery also apply.
However, even if the pearl necklace, emerald necklace or diamond necklace you received as an heirloom is not an antique, you should still be able to find specialist necklace insurance if you have had the item of jewellery appraised by a jewellery expert.
Can I claim on my home contents insurance if I lose my necklace?
Possibly, but whether or not you will be covered for the full value of the necklace will usually depend on how much it’s worth.
Many contents insurance policies will cover personal valuables, which can include pearl necklaces, ruby necklaces and so on, so if you already have home contents insurance then your necklace may already be covered.
However, many of these home insurance policies will include a cap on how much they will pay out for any single item of jewellery, so if your diamond necklace is worth £8,000 but your contents insurance has a single item cap of £1,000 then you will be £7,000 out of pocket if something happens to your necklace.
So, for high value jewellery you have two main options – either add your necklace to your contents insurance policy as a named item (with a declared value greater than the usual single item cap); or take out a separate jewellery insurance policy to cover your necklace (and possibly other items of jewellery, too).
So I can insure multiple items of jewellery under one jewellery insurance policy?
Yes, if you have a number of items of expensive jewellery you should be able to find high value jewellery insurance that covers them all under one single policy.
So in theory your engagement ring, wedding ring, bracelets, necklaces, earrings, brooches – even tiaras – could be insured together as a jewellery collection.
What types of incidents will be covered if I take out necklace insurance?
As we already alluded to, accidental damage or partial loss (such as losing a gem or precious stone from the necklace) may be one of the most common incidents that jewellery insurance could cover.
While insurance policies do vary, as a general rule of thumb many specialist jewellery insurance companies will cover some or all of the following eventualities:
- Accidental damage
- Malicious damage
- Loss, including the loss of a gem or precious stone from its setting
Ready to insure your necklace? Compare jewellery insurance quotes now.