Insurance overview
As well as filling your home with the things you love it’s essential to ensure you have the right cover in place to keep them safe.
We understand this well and as part of our NFU Mutual Bespoke Home Insurance we cover your jewellery and watches as standard, up to £10,000 in total and per item, pair or set.
The policy is specially designed to cover high-value homes and belongings such as expensive jewellery or watches, which may not be fully protected by a standard home contents insurance policy. Our cover is tailored around you and your lifestyle and you’ll have the peace of mind that your most valuable possessions are in safe hands.
With local knowledge backed by an extensive team of experienced underwriters, claims handlers and specialist suppliers, our commitment to a personal, specialised service means you can be sure you’ve got the cover you need, with reassurance from quote to claim.
You can choose to extend your Bespoke Home Insurance policy with more specific cover for your jewellery and watches, to include:
What's covered
- Unspecified jewellery and watches cover up to £20,000 per item.
- Specified jewellery and watches cover up to the agreed value 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 valuable 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.
