The peace of mind of being able to wear your personal jewellery at any time and anywhere in the world, except in the countries excluded in the schedule.
It is a policy designed specifically for personal jewellery, protecting our clients' jewellery against theft both inside and outside the home: watches, rings, bracelets, necklaces and any piece that can be worn. It insures the policyholder named in the schedule, for the jewellery they wear themselves.
High-value jewellery is often not adequately protected under a home policy. The problem appears when a theft, loss or damage occurs and it turns out that the settlement does not cover the real value of the pieces.
The protection travels with the piece. Wearing a piece of jewellery to a dinner, on a trip or at an event does not leave it unprotected: the cover stays in place anywhere in the world, except in the countries excluded in the policy.
Your main residence must have a safe and an alarm connected to an alarm receiving centre. When travelling, if you are not wearing your jewellery, it must be kept in the room safe or, better still, in the hotel safe. Second homes need the same measures, even for temporary stays.
The valuation needed to insure them is also useful for an inheritance, for dividing assets among heirs or for any sale. That is why JORI has an agreement with the Spanish Association of Jewellery Valuers (Asociación Española de Tasadores de Alhajas, AETA) to make valuations easier for our clients.
New purchases are covered automatically on presentation of the invoice, with no waiting period.
We study the activity, assets, and plausible scenarios. Without that diagnosis, comparing policies is comparing prices of different things.
We define covers, limits, deductibles, and acceptable exclusions. We decide what is transferred to the insurer and what is consciously retained.
We present the risk to the insurers we work with and negotiate terms. We are independent: we do not belong to any company.
We review the programme at each renewal and, when a claim occurs, we act as your technical representative with the insurer until payment is received.
It is insured with the purchase invoice or a valuation certificate, and covered while worn anywhere in the world, except in the countries excluded in the schedule. Exclusively for people whose habitual residence is in Spain.
It is not compulsory, but it is advisable to update it at least once a year so that the sum insured reflects reality.
In the event of a claim, the settlement is calculated according to the amounts set in the policy and the documents provided by the insured. That is why up-to-date valuations, invoices or certificates make it easier to value the pieces and speed up the handling of the claim.
The policyholder named in the schedule, for the jewellery they wear themselves, provided their habitual residence is in Spain.
The main residence must have an alarm system connected to an alarm receiving centre and a safe. It is also necessary to have your habitual residence in Spain and to complete a questionnaire.
The invoice or appraisal certificate for each piece and, if possible, a photograph of each one.
