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Compare Student Jewellery and Watch Insurance

Compare Insurance for Students to cover Jewellery and Watches

Student with jewellery or watches to insure? We spell out your options


Specialist Student Jewellery Insurance

Protect Your Bubble
  • Insures individual items of jewellery worth up to £15,000
  • No excess on Claims
  • Covers Accidental Damage, Accidental Loss, Theft.
  • Items must be worn or locked in a safe / locker when away from permanent address
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www.protectyourbubble.com

Insurers providing jewellery and watch cover for students

cover4insurance
  • Insures individual unspecified items worth up to £250 ( to a maximum value of £1000)
  • Insures individual specified items worth up to £1000 ( to a maximum value of £1000)
  • Some of the lowest excesses available for student insurance - from just £10
  • Covers items whilst in the UK
  • Must be bought as part of a Student Content Insurance Policy
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www.cover4insurance.com

Insurers providing jewellery and watch cover for students

Endsleigh
  • Insures individual unspecified items worth up to £500 ( to a maximum value of £4000)
  • Insures individual specified items worth up to £2000
  • Excess of £50 applies
  • Covers items whilst in the UK and for up to 30 days worldwide
  • Must be bought as part of a Student Content Insurance Policy
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www.endsleigh.co.uk

E&L
  • Insures individual unspecified items worth up to £1000 (to a maximum value of £8000)
  • Covers items whilst in the UK
  • Standard excess is £59, £98 in high risk areas.
  • Must be bought as part of a Student Content Insurance Policy
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www.eandl.co.uk

Have Jewellery or a Watch you can't bear to be parted from whilst at University? We explain how you can protect them.

Jewellery, Watches, Pendants and Rings are all items that many students would prefer to take to university with them - but obviously also want to make sure that that they are protected should it be lost, stolen or indeed just damaged. And you can focus your insurance on these valued items.

We explain the different ways that such items can be insured.

Specialist Jewellery Insurance

Firstly there is specialist insurance such as Protect Your Bubble Student Jewellery Insurance. This type of policy tend to insure not just theft and loss, but also accidental damage - so are ideal for expensive watches and more delicate items.

They do require that when away from home that the jewellery is either worn, held or locked in a locker or safe - so you may need to install a small safe in your halls or property - small jewellery safes can easily found on Amazon.

If you need to claim you receive a jewellery gift card to the insured value of the item and at that point your insurance policy would be cancelled.

As an example it would cost £3.53 a month (no excess) to insure a £950 Engagement Ring*.

Advantages:

  • Covers Accidental Loss as well as Theft and Loss ( loss needs to be explainable
  • No excess on policy
  • Worldwide Cover
  • Claims don't have an impact on parents NCB, whereas insuring through parents home insurance would.

Points to consider

  • Items need to be worn, held or in in locked safe or locker at all times when away from permanent home.
  • Items of jewellery must be less than five years old when you insure the item and you will need to produce the original receipt.
  • Individual items of jewellery can be worth up to £15,000 (to a total value of £30,000 for multiple items).
  • Mechanical breakdown of watches is not covered.
  • General wear and tear, minor denting or scratching, damage to items caused by failure to follow operating instructions or damage resulting from cleaning, restoration or maintenance is not covered.

Using a Student Insurance policy

You can add 'all risks' or Possessions cover to your Student insurance policy.

Normally these cover Theft, Accidental Damage, but not Accidental Loss (ie loss through carelessness)

Endsleigh

Will cover up to £4,000 of items as long as none are individually worth more than £500 under their General Possessions Upgrade and Individual items worth between £500 and £2,000 can be added under their Specific Possessions Upgrade Items are insured anywhere in the UK, and for 30 days Worldwide

Guide price for the additional cost of insuring a £950 Engagement Ring would be £10.20 a month with a £50 excess*

Get a quote from Endsleigh Insurance

Cover4Insurance

Will cover up to £1,000 of items as long as none are individually worth more than £250 under their Unspecified Items Upgrade and Individual items worth over £250 can be added under their Specified Items Upgrade. Items are insured anywhere in the UK but not outside.

Guide price for the additional cost of insuring a £950 Engagement Ring would be £33.29 per year with a £10 excess*

Get a quote from Cover4Insurance

E&L Insurance

Will cover up to £8,000 of items as long as none are individually worth more than £1,000 under their All Risks Upgrade, which includes accidental damage. Items are insured anywhere in the UK but not outside.

Guide price for the additional cost of insuring a £950 Engagement Ring would be £3.24 per lunar month (28 days) with a £59 excess*

Get a quote from E&L Insurance

More information is available in our student insurance guide

Parental Home Insurance Policy

Adding an item to the family home insurance policy can be the cheapest way forward. Ask your insurer for more details explaining that the item will be in the possession of the student.

The big downside here is that if you need to claim you can find that premiums leap on renewal, reflecting both the claim made and the loss of a No Claims bonus. Also excesses tend to be higher on home and buildings insurance policies.

You can always get an comparative quote on the Moneymaxim Home Insurance Comparison Service, particularly if a renewal is due.

If you do require further assistance please refer directly to the insurers mentioned, or contact us here at MoneyMaxim.

*Prices quotes refer to a 20 year old student living in rented accommodation in Berkshire. Premiums will differ once individual circumstances have been taken into consideration.

This content was last reviewed on 28/07/2017