Protect your most cherished piece of jewellery with wedding ring insurance
Whether you're a man or a woman, your wedding ring is undoubtedly the single most important piece of jewellery you'll ever own, so it's absolutely essential that you do everything you can to ensure that it's protected at all times. Unfortunately though, things can go wrong at times, and losing it or having it irreparably damaged is always a risk, making wedding ring insurance a potential safety blanket.
Thankfully, there are any number of insurers out there who will be more than happy to offer you wedding ring insurance, but like everything else, you're only going to get the very best deal if you educate yourself on the options, and take great care to shop around to find the best prices available.
Some companies, like the UK's TH March, will offer quotes specifically for wedding rings, covering them wherever you go for as little as £25 per year, increasing to £100 per year or more, depending on the overall value of the ring.
While that may not sound like much, when you consider that over the course of thirty or forty years, you could be looking at many times the cost of the ring itself, simply for insurance, it's not surprising that many people opt to try something a little more pocket friendly.
Usually, this means getting in touch with the company you use to insure your home and its contents. While it may not be the exact kind of coverage you're looking for, in many cases it will provide more than enough protection for your requirements.
Before you decide that adding it to your home insurance is the way you want to do however, you're going to need to get in touch with your insurance company in order to ask some important questions.
Depending on who your home and its contents are insured with, you may find that you'll be covered for accidental damage or loss of certain items even if it occurs outside your home. If this is the case (and you'll only find out by calling to ask), then you'll have no need for specific wedding ring insurance.
Unfortunately, if you're not lucky enough to have that option available to you, you're going to need to take a look at some of the direct wedding ring insurance solutions available. We recommend getting in touch with your insurance broker to find out what's the best fit for your needs.