Insuring your engagement and wedding rings
Ensure your engagement and wedding rings are insured for peace of mind and protection.
Key points:
- Your contents insurance might not automatically cover your rings - check if you need to add them as individual items for full protection.
- Make sure your rings are professionally valued and keep those valuations up to date to avoid being underinsured.
- If you want cover outside your home, consider adding personal possessions cover to your policy for extra peace of mind.
- You can check your home insurance policy documents to see what is covered and what is not.
You’ve tied the knot (or are about to) and keeping those rings safe aren’t only the job of the ring bearer. It's important to have insurance for both your engagement and wedding rings for peace of mind.
Does home contents insurance include cover for wedding and engagement rings?
Your contents insurance won’t necessarily cover your rings. They may be something you need to add as individual items, especially if they are expensive. This can usually be done through 'add ons' to ensure your ring is covered as a singular item, this can come at an additional cost.
Most insurers will have a limit to the amount of money you can claim for a single item, so you could risk being out of pocket if your ring is stolen or damaged and you haven't chosen an adequate amount of cover.
What happened to the ring can also make a big impact on a claim. For example, if it’s lost or stolen outside of your home, you may not be covered.
Will my home contents insurance policy cover the full value of my ring(s)?
You might be able to have your insurance cover your rings in full if they are valued correctly and you have declared the replacement value of each item. You should ensure that any valuations you have are up to date, and reviewed regularly.
To make sure you’re covered, you may want to get your ring professionally valued so you can give your insurer an accurate figure.
Am I covered if I lose my ring(s) outside my home?
This depends on your level of cover with your home or contents insurance. You can sometimes take out personal possessions or personal belongings cover for some items, meaning they’re still insured if they get lost, stolen, or damaged outside your home. This type of cover is an 'add on' which usually comes at an additional cost.
How do I claim for a lost ring(s) on my home insurance?
To make a claim, you’ll just need to contact your insurer, whether online or over the phone, and they’ll talk you through your next steps.
Are my engagement and wedding rings covered abroad?
You may be able to add your rings to your home insurance and cover them abroad, as long as this is available with your insurer. You also may be able to cover your rings under a travel insurance policy.
Are there any other types of insurance for engagement and wedding rings?
There are a few other types of insurance you could look to get to make sure you’re covered:
- Personal possessions insurance is a type of insurance that covers you for loss, damage, or theft of an item away from your home.
- Jewellery insurance, provided through your jeweller, ensures that your valuable items are protected. It covers the cost of replacing your jewellery if it is lost, damaged, or stolen.
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