Ripe Valuables Discount Codes

It depends on your home insurance policy but most standard home insurance excludes high-value items such as jewellery and watches, particularly when taken out of the home. Their standalone policy provides first-class cover for your valuables, home and away, without the added expense and hassle of adding them to your home insurance. Get a quote and see how much you could save.

You can cover any number of jewellery items and watches as long as they are at least £1,000 in value each, with a maximum combined value of £30,000. For any individual items over £20,000, you will need to complete the purchase of the policy by telephone.

Your policy provides worldwide cover, with no territorial limits or restrictions to the number of days you spend abroad. Their only stipulation is that you must be a UK resident to take out a policy. The following conditions apply when away from your home:

• You or your immediate family must either be wearing the items or have them under your close personal custody.

• Your items must be deposited in a bank or locked safe when not in your custody.

Yes, the policy covers loss, theft and accidental damage.

However, where you have owned an item for more than 60 days, but have chosen not to insure it previously then the item will not be covered for accidental loss during the first 12 months that you have a policy with them. Your policy will still provide cover for theft and accidental damage for all items you have chosen to insure with them.

Ripe Valuables will pay for the repair or replacement of the damaged/lost item including any resulting depreciation. If a replacement for the damaged/lost part cannot be found, they will pay out for the set however they may keep the remaining or undamaged part as salvage. They will not pay out more than the total sum insured for the set as a whole.