Jewellery valuation and insurance

If your home is already covered by Churchill’s home contents insurance, then your jewellery is automatically insured up to the value of 30% of the total value of your policy. For example, if you have a policy that covers £50,000 worth of contents, you could claim up to £15,000 for lost or stolen valuables.

If you own an individual item that is valued at more than £2,000 you’ll need to name these individually when you take out the policy. Our representatives would be happy to talk this through with you.

Do I need a valuation?

It’s not essential to get your pieces valued in order to get them insured, but it is a good idea for your own piece of mind. There are several reputable companies that can value your pieces, and that will help you to make sure that you have the right level of cover. This way, if your valuables are stolen or lost, you’ll be fairly compensated. In the event of a claim for specified items, you will need to provide proof of value and ownership.

Is my jewellery covered outside of the home?

The chances are you want to enjoy your precious jewellery and make the most of it by wearing it outside of the home. If you own items of jewellery that you would like to insure for those times when you wear them out and about, you might like to consider taking out Personal Possessions cover in addition to your home insurance. That way, you can rest assured that your items are covered no matter where you show them off.