TL;DR: shipping insurance covers a parcel while it is in transit, and jewellery insurance covers the ring for loss, theft or damage once it is yours. They are different products with different terms. Delivery of our rings is insured and tracked, and we suggest you also consider jewellery insurance for everyday life. Read the terms of any policy carefully. Pieces start from £600.
Shipping insurance
This covers the parcel from dispatch to delivery. If it is lost or damaged on the way, the claim is made through the shipping arrangement. It stops when the parcel is delivered. Our rings are sent by insured, tracked FedEx.
Jewellery insurance
This covers the ring once you have it, for events such as loss, theft or damage, depending on the policy. It may be an add on to home insurance or a separate policy. Terms differ widely, so ask what is covered, what is excluded and what you must do after a loss. See how to insure an engagement ring.
The gap people miss
The common mistake is assuming one covers the other. Shipping cover ends on delivery. A home policy may not cover a high value item unless it is listed, and may limit cover away from home. A proposal is often the moment the ring is most at risk, because it is carried to a beach, a mountain or a restaurant. Check cover for that day, not just for the house.
Replacement or cash
Policies settle claims in different ways. Some replace the ring through a jeweller of the insurer's choosing, some let you choose the jeweller, and some pay cash. For a bespoke ring, being able to return to the maker who holds the design can matter a great deal, so ask how a claim would be settled before you choose a policy. See remaking a lost ring.
Questions to ask an insurer
- Is the ring covered outside the home, and abroad?
- Is accidental damage covered?
- What proof of value do you need?
- Does the policy need a valuation, and how often?
- What is the excess?
Proof of value
Keep the invoice and any report. Our guide to reading your invoice and certificate explains what to keep. Our guide to what comes in the box shows what arrives.
When to arrange cover
Consider having cover in place before the ring arrives, so there is no gap, but check how your insurer treats a ring not yet in your possession.
Overseas
The customer pays import duty and tax, and an insurer may need the full price including those costs to be recorded. Ask them. Insurance rules differ by country, so we do not give advice on policies, and we encourage you to speak to an insurer. Our guide to why the true value goes on a customs form explains why an honest invoice matters for any claim. Country guides: the US, Canada and Australia.
Keeping the ring in good order
Insurers often like to see that a ring has been checked. Our guide to the ring service appointment explains what a check involves.
Working with us
We work by video consultation and message, send sketches and CAD renders, and make nothing until you approve the design in writing. Standard making time is 5 to 6 weeks, varying with your location and how busy we are.
Frequently asked questions
Is my ring insured in transit?
Yes, delivery is insured and tracked.
Do I need jewellery insurance as well?
It is worth considering for everyday cover.
What proof of value will I have?
An invoice, and any report that comes with the stone.
Will my insurer let me use the original maker?
It depends on the policy, so ask before you buy it.
Can you recommend an insurer?
We do not give insurance advice. Speak to an insurer.