Jewellery and Watch Insurance
Cover for your jewellery and watches through NFU Mutual Bespoke Home Insurance, designed for high-value possessions and collections.
Whether you own luxury watches, engagement rings, or have inherited collections of jewellery, our cover can be tailored around your needs. With flexible limits for high-value belongings, you’ll have specialist support and guidance from your local NFU Mutual Bespoke Home Insurance Adviser, giving you confidence your most treasured possessions are appropriately insured.
Jewellery and Watch Insurance overview
Jewellery and watches can hold significant value, whether they’re worn every day, kept for special occasions, or passed down through generations. Protection can be shaped around your jewellery, watches, and collection.
What's covered by Jewellery and Watch Insurance
- Cover for jewellery and watches up to £20,000 per item, pair or set without individual specification.
- Specified cover for high-value jewellery, engagement rings, luxury watches and valuable collections up to the value agreed with us.
- Sets and pairs protection, so if one item is lost or damaged, we'll pay to replace or restore the entire pair or set, up to the relevant policy limits or agreed value.
- New purchases cover for recently acquired valuables, providing cover for up to 25% of your total insured valuables replacement cost for up to 60 days
- Protection against underinsurance, providing up to 150% of the insured value when a professional valuation has been completed within the last three years, and your valuables are insured for the recommended value.
- Cover for damage caused by domestic pets, up to £5,000 during any period of cover.
- Up to 150% of the insured value with a qualifying professional valuation.
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.
High-Value Home Insurance
Jewellery and Watch Insurance is available through NFU Mutual Bespoke Home Insurance. Designed for high-value homes and contents exceeding £150,000, it provides tailored protection for valuable possessions, including jewellery, luxury watches, and personal collections, with cover shaped around your lifestyle and the things you value most.
Cover for your jewellery and watches is available as an add on to your existing Bespoke Home Insurance policy.
Important documents
The documents below provide important information about NFU Mutual Bespoke Home Insurance, including cover details, policy information, and key exclusions.
These documents are intended for customers considering a new policy. If you already hold NFU Mutual Bespoke Home Insurance, the documents may not reflect your current level of cover.
To view documents for an existing policy, please contact the agency where you purchased your insurance, or log in to your online account.
