Insurance overview
Your jewellery and watches are often among your most valuable personal possessions and your insurance should reflect that. With NFU Mutual Bespoke Home Insurance, your cover can be tailored to protect collections of any size.
We provide cover for jewellery and watches as standard up to £10,000 in total and per item, pair or set with the flexibility to increase limits or arrange specified cover to suit higher-value or more extensive collections. This means you can be confident your policy is designed around your needs.
Bespoke Home Insurance is specifically designed for high-value homes and belongings, recognising that collections of jewellery and watches often require more tailored protection than a standard home insurance policy provides. Whether your items are worn daily or kept as part of a wider collection, we can shape your cover accordingly.
With local expertise supported by experienced underwriters, claims handlers and specialist suppliers, we offer a personal specialist service giving you reassurance that your most valuable possessions are protected from quote through to claim.
What's covered
- Unspecified jewellery and watches cover up to £20,000 per item.
- Specified jewellery and watches cover up to the value agreed with us.
- Sets and pairs cover - if you lose or damage one of a pair or set, we'll pay to replace or restore the entire pair or set up to the single article limit or to the agreed value.
- New purchases cover designed to give you peace of mind for valuables you have just purchased, paying up to 25% of your total insured valuables replacement cost for a period of up to 60 days.
- Underinsurance protection giving you 150% of the insured value when a professional valuation has been provided in the last three years.
- Damage caused by domestic pets, up to £5,000 in any period of cover.
What's not covered
- Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply
- Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time
- Theft from an unattended vehicle, unless it is from a locked boot, concealed luggage compartment or glove compartment. If your vehicle doesn’t have any of these, we will pay up to £1,000. There must have been forcible and violent entry.
- Cover for items permanently kept away from the address on the policy schedule.
Your cover will depend on your circumstances, we can explain the full cover including the limits and exclusions that apply. You can also find further information in the Important Documents section.
Important Documents
The documents available to download below are designed for customers taking out a new policy. If you already hold a policy with us, these documents may not fully reflect your current cover.
To view documents for an existing, active policy, please contact the agency where you originally purchased your policy, or log in or register for an online account.
