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Engagement Q&A : Engagement Ring Insurance Question

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Q: Do I Need Engagement Ring Insurance?



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Having spent hours purchasing, weeks deciding, and months saving for the perfect ring for your loved one, the last thing you need is to damage or lose the darn thing. But the truth is, this does happen to many an unlucky soul each and every year here in the UK.


This is where engagement ring insurance comes in.


In certain cases you will find that engagement ring insurance is actually already covered by an existing home contents insurance policy, but you will need to check the small print very carefully and pay close attention to accidental damage and damage 'away from home' clauses to be sure (especially important for those planning to pop the question at the top of the Eiffel Tower!).


If your existing policy falls short, you essentially have two engagement ring insurance options; to enhance an existing home contents policy, or to take out a bespoke insurance policy.


Personal Property Insurance, which covers 'high value' items can often be tacked onto an existing home contents policy and will cover you for loss or damage to the stated item - in this case an engagement ring. Adding this onto your policy should cover you and allow you to recoup the full value (minus any excess) should disaster strike, but as with all insurance policies, make sure you check the small print very carefully.


An alternative is a bespoke insurance policy - jewellery insurance and wedding insurance are the most obvious two.


Wedding insurance is often reserved for after your partner has said 'yes', but could work out cheaper in the long run (assuming engagement rings are covered) so is worth considering at this stage.


Jewellery insurance is popular for particularly expensive items of jewellery, so if you have broke the bank to purchase the ring then this form of engagement ring insurance is very much one to bear in mind.


In short, as soon as the ring is in your possesion (and assuming it did not come from an egg at the local fair) make sure that you have adequate engagement ring insurance in place just to be on the safe side.




For more questions like this, be sure to check out our Engagement FAQ's. If you've a question that you'd like to ask, simply click here and complete the simple form - you'll need to be a member of MyWeddingsday to submit a question, but it's fast and free to sign up.



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