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Engagement ring insurance - rented accommodation

  • 02-02-2010 8:29pm
    #1
    macgabhs
    Registered Users, Registered Users 2 Posts: 274 ✭✭


    I recently got engaged and am having difficulty getting insurance for my fiancés engagement ring. We currently do not live together and both share rented accommodation with friends. I have tried getting a contents only insurance policy on my rented house so I could put the ring as an all risks item but have been refused by several insurers because I live with a non family member/partner. Does anybody know if there is such a thing as a policy for engagement rings only, i.e. separate from a home insurance policy? It is very frustrating as my fiancé is worried about loss or damage. Another option I have is to put it on my parents home policy and pay the increase in premium but then I'm not sure if it will be covered at all as my fiancé is not living in their house. Any advice is appreciated. Thanks.


Comments

  • #2
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭Toots


    Could your fiancee take out a contents only insurance policy herself? This might work for her. Also, the jeweler you bought the ring from may offer insurance on it, however I'd imagine it's pricey and from what I've seen of some of these policies, there's an awful lot of 'get out' clauses, so read the fine print well.

    Getting it put on your parent's policy wouldn't be an option, for most home insurance policies the person would have to be living in the house. There was a thread on this in Banking Insurance & Pensions recently. From what I can gather, Bank of Ireland, Getcover.ie and Chill.ie would be the ones to contact for this. There was a rep from BOI insurance down in my branch today and I asked her what the story was about getting insurance if you're renting with other people. She said they do it, but because it's higher risk (what with people coming and going all the time and the risk of housemates robbing each other) the excess is higher (about €500 I think). Give these a shout and see what the story is. I'd imagine your fiancee would have to take out the policy herself though, if you're not living together.


  • #3
    macgabhs
    Registered Users, Registered Users 2 Posts: 274 ✭✭macgabhs


    Thanks Toots my fiancé is in the same position, i.e. renting with friends, so is coming up against the same problem but it does make sense for her to get the policy in her name. Our biggest reason for getting insurance is the all risks aspect so that it is covered outside of the house. I'll check out BOI, chill and getcover see how I get on.


  • #4
    kkd
    Closed Accounts Posts: 10 ✭kkd


    Hi, this company do Engagement Ring insurance.

    http://www.thmarch.co.uk/index.xalter

    Cheers


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