What is included with Jewellery and Watch Cover?

Jewellery and watch insurance typically covers:

  • Theft
  • Accidental loss (including loss of diamonds and stones)
  • Accidental damage
  • Away from home cover


John Lewis Contents Insurance provides cover for your jewellery and watches as standard when they are kept in the home, with no add-on required. If you are looking for cover for your jewellery when it’s outside of the home, you could consider our Personal Possessions add-on (see policy document for limits).

John Lewis Home Insurance Cover Levels

  Bronze Silver Gold Specialist
Contents £50,000 £100,000 Unlimited* Bespoke
Replacement cost of total valuables £10,000 £20,000 £40,000 Bespoke
Valuables single article limit
(unspecified items)
£3,000 £3,000 £3,000 Bespoke
Valuables single article limit
(specified items)
£10,000 £20,000 £20,000 Bespoke

*Policy limits apply, including single item and total valuables limits. Jewellery, watches, and engagement rings are considered to be valuables. The cover limits for each product tier are shown in the above table.

With John Lewis Contents cover, the amount you can claim for valuables is detailed in your policy schedule. The valuables limit is included in the total limit of your contents cover and is not in addition to it.

For example, if you have Bronze level cover, you have up to £10,000 of cover for valuables. If you made a claim for one valuable worth £10,000, that would be the maximum you could claim for your valuables, leaving you with £40,000 to cover your other household goods and possessions.

How to insure your engagement ring

If you get engaged, you might need to declare your engagement ring to your insurance provider to make sure it's covered. 

Our Bronze, Silver and Gold level Contents Insurance covers unspecified valuables worth up to £3,000 in the home. For engagement rings that cost £5,000 or more, we’ll ask for a valuation or original purchase receipt. 

Depending on the value of your engagement ring, you may need to upgrade your total home contents cover level. This means the other items in your home stay safely insured. For more detail on policy limits, see the table above.

Do I need to add my jewellery to my home insurance policy?

Your jewellery is protected within the home against theft and loss by John Lewis Contents Insurance as standard, up to the limits stated in your policy. Items containing precious metals are also covered if they are damaged. With John Lewis Contents Insurance, your policy will have limits on unspecified valuables. If you have any items worth more than the single article limit for unspecified items mentioned in the table above, you'll need to specify these in your policy. For example, if you had a valuable, such as a necklace, worth more than £3,000, this would need to be named on your policy in order to be covered.

If you want to insure your jewellery outside of the home, you should consider our personal possessions add-on.

How to get jewellery valued for insurance

The National Association of Jewellers recommends contacting three valuers to compare their services. Their website can help you find a local and trustworthy Institute Registered Valuer IRV. They may ask you about previous valuations, any gemstone and diamond certificates and ask to see original receipts.

Their final report should include:

  • Photos of your jewellery
  • A detailed written description
  • A covering letter
  • The purpose of the valuation

Watch appraisal for insurance

Watch valuers will typically check four key things:

1. Watch model - Workmanship, materials and aesthetics all play a part during the valuation.

2. Condition of watch - The better the condition of your watch, the greater its value.

3. Rarity - When demand outweighs supply, the value of your watch rises.

4. Authenticity - Proof of purchase, authenticity documents and original packaging. These will give your valuer the information they need to confirm your watch is genuine.

Does Specialist Home Insurance cover jewellery?

John Lewis Specialist Insurance offers cover for your jewellery and watches anywhere in the world. We even protect your items should you be in alternative accommodation following an insured claim, this can be up to 5 years whilst we repair or rebuild your home.

The Specialist Insurance can cover your jewellery and watches, either as unspecified (you won’t need to provide details of individual items if they are under £10,000 each, just a total) or individually specified pieces (you will need to tell us about any items with a value over £10,000). We may need you to provide a professional valuation for higher-value items. You will also need proof of ownership and value of any jewellery and watches should you need to make a claim.

Our Specialist Home Insurance policy also covers newly acquired jewellery such as an engagement ring or birthday gifts. We will cover these items up to 20% of your contents, fine art and jewellery sum insured. For example, if your contents, fine art and jewellery sum insured add up to £200,000, we can cover a newly purchased item up to a value of £40,000. You will need to tell us about the item within 60 days of purchasing it and pay any additional premium due.

For your peace of mind, accidental damage is included as standard with our Specialist Insurance.

If our Specialist Home Insurance is too high a level of cover for your requirements, our Gold level cover may be suitable for insuring your high-value jewellery. It covers unspecified items within the home costing up to £3,000 each, specified items within the home costing up to £20,000 each, and up to £40,000 in total. See the table above for policy limits.

Protecting jewellery outside your home

Some providers might set limits on how long your jewellery can be outside of your home, the details of which will be in your policy document.

With our Bronze, Silver and Gold Cover, you need to select Personal Possessions add-on if you want your jewellery covered outside your home, anywhere in the UK and abroad. Without this add-on, your jewellery is only covered within the home. 

With John Lewis Home Insurance, your valuables are covered within the home for as long as your policy lasts.

Accidental damage cover for your valuables

Accidental damage insurance helps to cover the costs of repairing or replacing jewellery and watches damaged by an accident in the home or accidentally lost in the home. Accidental damage cover is available as an add-on with John Lewis Home Insurance for Bronze, Silver and Gold cover levels.

Expert quote

"Any valuables including jewellery or watches will need to be specified separately from your main contents if it's worth more than £3,000. Remember you'll need to add our Personal Possessions add-on to ensure these items are insured away from your home, giving you peace of mind that you're covered anywhere in the world."

David Cohen, Home Insurance Senior Commercial Manager

How to insure your jewellery with John Lewis Finance

To insure your jewellery and watches with John Lewis we’ll ask for details about:

  • You

  • Your jewellery and watches – including their value

  • When and where you purchased the item/s

  • The level of cover you need


To insure jewellery valued at £10,000 or more on our Specialist cover we’ll need a professional valuation.

A valuation will also be helpful for watches and jewellery valued at £5,000 or more on our Bronze, Silver and Gold cover level. However, we are happy to accept an original purchase receipt if the item was bought within the last five years.

Policy wording

Not yet covered by John Lewis?

Insure your home and valuables today by getting a quote online.

For a higher level of cover, we also offer Specialist Home Insurance for unique homes and high-value contents.

Guides and articles

If something happens to your possessions, contents insurance can help soften the blow.

It's worth covering valuables that would leave you significantly out of pocket if they were lost or stolen.

Make sure your art and collectables are covered with John Lewis Home Insurance.

John Lewis Finance, John Lewis Home Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative of Munich Re Digital Partners Limited, a company authorised and regulated by the Financial Conduct Authority to carry on insurance distribution activities.

John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative (Financial Conduct Authority no. 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration no. 202277). John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered Office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales (registration no. 613259).

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