Private Client
Insurance advice for jewellery and valuables that need more than standard contents cover.
Trusted Union helps private clients review insurance for high-value jewellery, diamonds, gemstones and valuable personal possessions, with attention to valuation, documentation, storage, wearing, travel and insurer suitability.
Jewellery and valuables are often both financially significant and personally meaningful.
An engagement ring, necklace, bracelet, pair of earrings, diamond, gemstone or inherited piece may be worn regularly, stored at home, kept in a safe, taken overseas or passed down through family generations.
Standard home insurance may not provide the right level of cover for high-value jewellery and valuables. Trusted Union helps clients understand what information insurers require and how cover should be structured.
Key Areas We Support
How we support you across the area.
01
Jewellery & Gemstones
Review of cover for rings, necklaces, earrings, bracelets, diamonds, coloured stones, pearls and other jewellery items.
02
Engagement Rings & Worn Items
Advice around items worn daily, worn outside the home, taken overseas or exposed to accidental loss and theft.
03
Valuation & Specification
Guidance on when items should be specified individually and when updated valuations may be required.
04
Pairs & Sets
Review of how policies treat damage or loss to part of a pair or set.
05
Storage & Safe Requirements
Advice on home safe, safe-deposit box or bank vault and insurer security requirements.
06
Travel & Worldwide Cover
Review of territorial limits, temporary removal, travel exposure and conditions for items away from home.
What Trusted Union Reviews
A structured review, item by item.
Where the information is available, a review typically looks across the following.
- Current jewellery and valuables limits
- Single item limits and whether items are specified
- Valuation reports, purchase invoices and photographs
- Storage, safe and bank vault arrangements
- Items worn daily versus stored
- Worldwide cover and travel exposure
- Accidental loss, theft and damage wording
- Pairs and sets treatment
- New acquisition requirements
- Whether specialist insurer or high-value household cover may be appropriate
The Trusted Union Approach
Personal protection reviewed as a whole — health, life, income and the assets that matter.
Why It Matters
Why a structured review matters.
Jewellery claims can become difficult if ownership, value, specification or location is unclear. Many policies contain single-item limits, safe requirements, exclusions or territorial restrictions that clients may not notice until a claim.
A proper review helps ensure valuable items are documented, valued and insured in a way that reflects how they are actually used.
Why Trusted Union
Advice held to a consistent standard.
Trusted Union helps private clients organise the insurance discussion around value, documentation, use and insurer requirements.
We do not act as gemologists or valuers, but we help clients understand what evidence insurers may require and, where appropriate, coordinate with specialist valuation contacts.
Important Considerations
Jewellery and valuables should be reviewed in the context of the client’s home insurance, travel, safe arrangements, family ownership and other private client assets.
The right structure may involve specified item cover, worldwide cover, safe or bank vault requirements, agreed value wording or a wider high-value household arrangement.
Common Questions
Questions we’re often asked.
Is jewellery covered under normal home insurance?
Some cover may exist, but often subject to sub-limits or single-item limits. Higher-value items usually need to be specified.
Do I need valuations?
For higher-value items, insurers may request valuations, purchase receipts, photographs or certificates. Updated valuations can be important where values change.
Are items covered when worn outside the home?
This depends on the policy. Worldwide cover, temporary removal and wearing conditions should be checked carefully.
What if I buy a new item?
Some policies provide temporary cover for new acquisitions, but notification periods and limits vary. New items should be reported promptly.
Request a Confidential Review
Request a Confidential Review.
Start with a structured conversation about the area of insurance you would like to review.
Request a Confidential Review