Anybody with jewelry insurance in England?

[masoyu]

I am sorry if this is posted in the wrong section. I am going to be sending jewelry as a gift to somebody in England. I would like to get the jewelry insured on their behalf. It is a gift, so I do not want to tell them about it. I am not talking about shipping insurance, but insurance for loss/damage/theft/etc. Anybody know the best way to do this?

I am in the US and most companies say "international" but only for vacations (like Jewelers Mutual Insurance). I am not familiar with how to go about getting an international plan that I can open in US for somebody in England.

 

[Squizabel]

I am in England. Pretty sure you cannot do this. The only stand-alone jewellery insurer as far as I know is TH March and they need the policy to be opened by the owner. This makes sense as they need to ask questions about the owner when setting up the policy e.g. past claims on insurance. Also it would open up the potential for fraud if anyone could insure something without the person in whose name it is being aware.

Just tell the recipient that you want to pay for insurance, after they've received it. They can set up a policy of their choice and you can reimburse them. FWIW, TH March, though very good and pleasant to deal with, were extremely expensive. Adding it as an item on household contents insurance was about one fifth of the price.

 

[OoohShiny]

Adding it to the household insurance should be reasonably priced, although they should check exactly what cover they will receive (theft/loss/mysterious loss/etc)

 

[masoyu]

I am in England. Pretty sure you cannot do this. The only stand-alone jewellery insurer as far as I know is TH March and they need the policy to be opened by the owner. This makes sense as they need to ask questions about the owner when setting up the policy e.g. past claims on insurance. Also it would open up the potential for fraud if anyone could insure something without the person in whose name it is being aware.
Just tell the recipient that you want to pay for insurance, after they've received it. They can set up a policy of their choice and you can reimburse them. FWIW, TH March, though very good and pleasant to deal with, were extremely expensive. Adding it as an item on household contents insurance was about one fifth of the price.

Thanks for the responses! I figured that is what I may have to do, I just wanted to get some sort of coverage in the mean time, and then also just keep things simple and see if I can just get a single policy that would cover overseas wearer. I guess what I was hoping to do was take out a policy under my name, but have the "wearer" be the recipient. I know that Jewelers Mutual Insurance and even my home insurance does not require the wearer to be the policy holder. Jewelers Mutual Insurance said the person has to be in the US at least 6 months out of the year.

 

[Squizabel]

Call TH March and ask. You never know

When I last looked (admittedly it was a year ago) there weren't any other standalone jewellery insurers, and none of the ones that are mentioned regularly on PS which is a shame. But it's worth checking again because things might have changed.

 

[Jambalaya]

if Jewelers Mutual and your home insurance doesn't require the wearer to be the policy holder, why not just add the piece of jewelry to your own insurance? I know it's probably not a long-term solution, but insuring someone else's jewelry who lives on a different continent isn't easy either, unless they pay for it and you reimburse them. Which seems odd because then you're requiring an outlay from them which they may not want to do. Once they are gifted the jewelry it becomes their responsibility.