Jewelry Insurance

Jewelry Insurance

If you took the “easy” option and bought home insurance from your mortgage lender or a high street insurer, and you own antique or designer jewelry, it may be time to upgrade to a specialist policy.

A small number of insurers provide specialist policies for discerning homeowners, which offer:

  1. Lower rates: with individual risk assessments, the insurer gets a more accurate picture and you don’t pay for others’ carelessness.
  2. No restrictive small print: jewelry on your dressing table may be uninsured on a standard home policy - many carry small print clauses that nullify the cover for jewelry not being worn or in a safe.
  3. Choice of jeweler for repair/replacement: would vouchers for a high-street outlet really replace your precious pieces? Some insurers insist you use their supplier to keep their costs down.
  4. Valuation advice: gold and gem prices change with fashion and trends – without good advice you could be paying too much or be under-insured. After a theft, the last thing you need is a tussle over the value of each lost piece.
  5. Extra covers: if you lose one ear-ring the insurer will replace both. And the insurer pays the pre-agreed value regardless of subsequent wear and tear or depreciation.
  6. Cash claims settlement: valuable pieces cannot easily be replaced – or it may take time. Specialist policies pay out claims in cash, so you can choose whether/how to replace.
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Brilliant... really impressed with the fast response!

Stephen H

 

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About La Playa Private Client

Specialist & Independent

Specialist & Independent

La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewelry collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

Advice you can trust

…from an expert who understands you

  • Specialist, global policies for affluent lifestyles
  • Independent, specialist advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability: offices in New York & London
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Charlene Gill

ACCOUNT EXECUTIVE

Direct Dial: 646 665 7737

Mobile: 917 715 4672

Email: charlene.gill@laplayainsurance.com

Twitter: @LaPlayaAdviser

+1 646 665 7737
+44 (0) 20 3865 0149
+44 (0) 1223 200650