A home and personal possessions policy for those with higher values of jewellery

A flexible policy at reduced rates of premium for security minded clients who safeguard jewellery and valuables.

Our knowledge of the jewellery business means that we can appreciate and understand the problems encountered when insuring expensive pieces of jewellery and valuables. When the unfortunate happens we can advise and direct you how best to replace your valuables.

What is covered?

• Buildings
  Buildings and outbuildings and other permanent site features including accidental damage of fixed glass, sanitary ware and underground services.
• Contents
  Home contents, including valuables, fine art, business equipment for those who work from home. Accidental breakage of mirrors and glass and furniture, lock replacement if keys are stolen; Personal money; Personal belongings of staff, guests or business visitors.
• Personal Possessions
  Loss or damage to personal effects and valuables away from your home anywhere in the UK or temporarily abroad.  
• Money
  Accidental loss of personal money or fraudulent misuse of lost or stolen credit cards  
• Legal Liabilities
  Domestic legal liability to others for bodily injury or damage automatically included when cover is effected under section 1 buildings or section 2 contents.
• Legal Expenses and 24 Hours Helpline
  Financial support to protect yourself and stand up for your legal rights, without fear of overstretching your resources.

Basic standards of security are mandatory and commensurate with insured values.

Jewellery Valuations

• Regular valuations provide up to date information to assist in recovery of stolen or lost items.
• At the time of valuation, items should be checked to ensure that they are in good repair, and that all clasps, fastenings and straps are in good order.

Benefits to those working in the jewellery business

• Unlike some insurance companies, the insurers we select accept the unique nature of your business, and associated risks.  
• Jewellery and similar items can be valued at trade prices, which result in lower premiums.

Development of GJIS Home Policy came about due to problems experienced by many in the jewellery trade where some insurers regards them as high risk. A Policyholder's Trade or Occupation is material to an Insurers assessment of risk and reflected in the premium charged.

Non disclosure of material information such as this could result in a claim not being paid.

Please contact us for further information.

The information on this page represents a summary of the major benefits of the policy offered by GJIS. Refer to the home insurance policy for all the terms, conditions and exclusions of the standard policy.