Insurance

What we provide

  1. Quite simply, INSTANT cover for your precious jewellery issued by Ramesh Jewellers.
  2. We will replace your item up to the value shown on the certificate issued by the
  • Simple certificate with minimum of exclusions.
  • Cover anywhere in the UK plus up to 30 consecutive days elsewhere.
  • All items insured against physical loss or damage including theft and accidental loss.
  • Claims settlement exclusively by repair or replacement via ourselves (N.B. there is no cash settlement option).
  • Maximum any one item of jewellery £5,000 reducing to £1,500 for any one watch.*
  • Maximum amount of jewellery which can be insured per household £10,000.*
  • No excess applied to losses (typical Home insurance has a minimum £50 excess).

What is not covered?

  • Any jewellery item exceeding £5,000 or any watch exceeding £1,500.
  • Any collection of jewellery exceeding £10,000 any one household.
  • Any insured person not resident in the UK.
  • Any entirely brittle article.
  • Any losses from baggage unless being carried by the insured person or the purchaser of the item.
  • Any item stolen from an unattended vehicle.
  • Any loss from wear and tear, gradual deterioration, mechanical or electrical breakdown or cleaning, repair or renovation.

Extra Information

  • All repairs and replacements must be via ourselves.
  • Reasonable care must be exercised in keeping the items safe and in good condition.
  • The insurance has a 14-day cooling off period after issue during which it can be cancelled and a full return of premium made
    provided no claims have been made.
  • Cancellations after the 14-day cooling off period will attract a pro-rata return premium subject to no claims having been paid under the certificate.
  • A full specimen certificate wording is available upon request.
  • Unless otherwise agreed the insurance shall be subject to English Law.
  • Any loss from wear and tear, gradual deterioration, mechanical or electrical breakdown or cleaning, repair or renovation.

How do you make a claim?

Following a loss you must: –

  • Notify the police immediately in the event of a loss or theft.
  • Notify us within 30 days of the loss.
  • Provide any necessary documentation needed to substantiate the loss.

If a false or fraudulent claim is made the certificate is automatically voided. In the event that a claim cannot be settled by
mutual consent it will be settled by arbitration.

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