Jewellery specialists
Our jewellery unit works exclusively with the jewellery trade: a leading team that knows it inside out and stands by it.
Individuals
Personal jewellery insurance
The peace of mind of being able to wear your personal jewellery at any time and anywhere in the world, except in countries in conflict.
Definition
What is personal jewellery insurance
It is a policy designed to protect personal jewellery against theft, both inside and outside the home. It covers any piece that can be worn: watches, rings, bracelets, necklaces or any other jewellery. It insures the policyholder named in the schedule and the jewellery they wear personally.
Advantages
Advantages of personal jewellery insurance
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 goes with you wherever you are.
Valuation in specialist hands
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.
Buy, protect and enjoy straight away
Our system allows you to insure a newly acquired piece of jewellery in just three steps, directly from the jeweller's. You receive your cover certificate immediately and can enjoy your new piece with peace of mind from day one.
Scope
Main covers of personal jewellery insurance
- Robbery outside the home, in any country in the world except those excluded in the policy
- Burglary and robbery at the main residence
- Water and fire damage at the main residence
Main exclusions
- Jewellery that is neither in personal use nor being carried under the direct supervision and control of the insured person. When it is not being worn, it is only covered in a locked safe, a bank safe deposit box or the hotel safe
- At home, jewellery outside the safe is only covered up to the sub-limit for items outside the safe, and with all security measures activated
- Unexplained disappearance
- Damage caused by criminal or deliberate acts of the insured person
- Jewellery not worn personally by the insured person
The JORI method
How we work
Insurance specialists who know each line of business inside out and get involved in every case.
Risk analysis
Every client faces a unique situation. We analyse each client's specific risks to detect vulnerabilities, assess security measures and propose improvements that strengthen the protection of their assets.
Programme design
All our programmes are designed to integrate every cover needed and to bring peace of mind to those who trust us.
Selection across the insurance market
We carefully select insurers and design exclusive insurance programmes, adapted to each client's particular circumstances, with a fully tailor-made approach.
Specialised claims management
Claims are the most vulnerable moment for a client. That is why it is so important to have specialists who provide support throughout the process.
Six generations and more than 130 years devoted to insurance.
Frequent doubts
Most frequently asked questions about personal jewellery insurance
How is the jewellery insured?
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.
Does the valuation need updating?
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. 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.
Who does this policy insure?
The policyholder named in the schedule, for the jewellery they wear personally, provided their habitual residence is in Spain.
What security measures must the main residence have to take out this insurance?
The main residence must have an alarm system connected to an alarm receiving centre and a safe. A questionnaire must also be completed.
When travelling, if it is not being worn, jewellery must be kept in the room safe or the hotel safe. Second homes need the same measures as the main residence, even for temporary stays.
What documentation is needed to take it out?
The invoice or appraisal certificate for each piece and, if possible, a photograph of each one.
How is a claim settled?
- Total loss. The replacement value at the date of the loss. If the piece is no longer on the market, the settlement is for an item of similar characteristics or features.
- Partial loss. The cost of repair, with the insurer's prior authorisation.
Personal jewellery
