Why ring insurance matters

Your engagement ring is both emotionally and financially significant. Insurance gives you peace of mind — protecting against loss, theft, or accidental damage.

In York, we help clients not just design their rings — but protect them properly.

What does engagement ring insurance cover?

Most policies include:

• Theft or loss

• Accidental damage

• Worldwide cover (ideal for honeymoons)

• Replacement with a like-for-like bespoke ring

Always check the fine print and coverage amounts.

How to insure an engagement ring in York

You have two main options:

1. Add it to your home insurance

   • Quick and often cost-effective

   • May require itemisation and a valuation

   • Be sure to check excess fees and travel cover

2. Take out specialist jewellery insurance

   • Companies like TH March or Assetsure specialise in jewellery

   • Tailored cover and easy claims process

   • Ideal for high-value or sentimental pieces

Do I need a valuation?

Yes — and we provide one with every Michael Isaac ring.

• Insurance-grade valuation certificate

• Photographs and detailed descriptions

• Useful for both home and specialist insurers

When to update your insurance

• After resizing or resetting

• If the value of gold or diamonds increases

• If you’re combining cover with wedding rings

We can reissue updated valuations at any time.

Learn about our bespoke engagement ring design process
Book a valuation or resizing service
Explore how to protect heirloom and vintage rings

Conclusion: Peace of mind for your most precious piece

Your engagement ring deserves more than admiration — it deserves protection.

We’ll guide you through the entire insurance process so your ring is covered, wherever life takes you.

Visit our York showroom or request a valuation to protect your ring properly.