Personal Jewellery Insurance
All-risks cover for personal gold, diamond and high-value jewellery.
Understanding Personal Jewellery Insurance.
Personal jewellery insurance covers loss, theft and accidental damage to jewellery at home, in transit and at events — typically structured on a valuation-basis policy with itemised schedules for high-value pieces.
Standard home-content policies sub-limit jewellery cover sharply — a dedicated valuables policy fills that gap.
What's actually inside this cover.
- All-risks cover worldwide
- Itemised schedule for high-value pieces
- Transit & event-wear extensions
- Pair / set clause
- Loss, theft and accidental damage
- Cover at home, in transit, at events
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Jewellery stolen from hotel locker during travel; itemised cover responds.
Necklace lost at wedding; schedule item replaced.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Personal Jewellery Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
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