You can list your engagement or wedding ring on your contents insurance policy if it’s under a certain amount.
You could also get personal possessions insurance or list it as a high-value item. But when you list it as a high-value item you might not be covered if it gets lost or stolen when you’re away from home. Your level of cover away from home depends on the insurer, but you can compare quotes and specify if you need cover away from home.
There’s also the option of getting a separate ring insurance policy. Whilst we don’t offer this kind of stand alone insurance, we can help you protect your rings as part of your home insurance policy.
Yes - your contents insurance should cover your wedding or engagement ring if it’s stolen or lost in your home and it’s worth under £1,000. This can vary between providers though, so check your policy documents to make sure.
If your ring is worth more than £1,000 you need to list it as a high-value item on your contents insurance. Sometimes these have value thresholds. For example, some insurers might not cover high value items over £6,000.
You can also get personal possessions insurance and accidental damage cover as an extra to your contents insurance policy. This comes at an added cost, though.
But these options might not protect your wedding or engagement ring in every circumstance. For example, some policies might not cover your wedding or engagement ring if it’s lost or stolen while you’re on holiday. Although you might be covered with travel insurance if you choose to take this out for a holiday.
If you want your rings covered in any eventuality, then a specialist wedding or engagement ring insurance policy could be useful.
We don’t compare this type of cover, but as standard, most specialist ring insurance policies cover:
Usually, specialist policies offer cover for rings that exceed most insurers' high-value item limit too.
The cover doesn't usually include cosmetic damage, like scratches and general wear and tear.
These types of policy can also cost more than the standard cover offered by your contents insurance. But it’s often more comprehensive, so it might be worth considering for more peace of mind.
If you want to insure any other expensive jewellery that isn't your engagement or wedding ring, you can get jewellery insurance. This offers a similar level of cover.
''When you compare quotes with us, add on your engagement or wedding ring if it’s worth over £1,000. Then we can show you the insurers who offer cover away from home.
If your ring is worth under £1,000 and feel you need more cover away from home, you could look for specialist ring insurers. Always check the policy details before you buy so you know exactly what you're covered for''
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