How do I make a claim?
How do I make a claim?Claims are managed by Catlin Insurance Company (UK) Ltd, you can make a claim online by going to our claims page or emailing:
About Catlin Insurance Company (UK) Ltd
Catlin Insurance Company (UK) Ltd is the insurance company who insures your insurance4everyone.co.uk jewellery insurance policy and is part of Catlin Group Limited.
Catlin Group Limited is a leading international specialty insurer and reinsurer, providing creative risk management solutions and excellent financial security to clients worldwide. Catlin was established more than 25 years ago in London and London is the headquarters of Catlin’s largest underwriting hub. The London/UK hub includes business written by the Catlin Syndicate at Lloyd’s (Syndicate 2003), an acknowledged market leader and the largest syndicate at Lloyd’s based on gross premiums written.
Catlin offers excellent financial security to policyholders. The Catlin Syndicate and Catlin UK have been assigned financial strength ratings of ‘A’ (Excellent) by A.M. Best. Catlin UK has received an insurer financial strength rating of ‘A’ (Strong) from Standard & Poor’s. S&P has assigned the overall Lloyd’s market an insurer financial strength rating of ‘A+’ (Strong). For more information on these ratings please visit Catlin's website.
Who are insurance4everyone?
We are an independent specialist insurance department store. We stock standard products, but also build our own specialist insurance products. This is one of them! We are here to help. For more information see "About Us"
Can I insure just one ring or multiple items with you?
Absolutely, our product is designed for both single items and collections, so you have the flexibility to insure as much or as few items as you see fit. Whether it’s an engagement ring, eternity ring, one or both wedding rings, or a combination, you have the cover at your fingertips with our product.
What ‘value’ do I insure my item for?
The value to be insured should represent the replacement value of each item.
What is the maximum I can insure a single item for online?
Our coverage for any single item and also the total combined value of all items is up to £40,000. In other words, you can insure a single ring up to £40,000, or you can insure a combination of an engagement, eternity and both wedding rings as long as the combined value is not more than £40,000.
Is there a minimum age limit on the policy?
Yes, we can only offer cover where you are aged 22 or over.
What is the maximum I can insure in a collection online?
Our coverage for collections is up to £40,000.
What if I purchased my item abroad?
We can still cover items purchased abroad and can accept purchase receipts from abroad as proof of purchase if the item was bought within the last 3 years. Your amount insured will be the value on your purchase receipt converted at the rate of exchange on the day cover is purchased. However, please remember that in the case of a loss we can only replace items in the UK and the maximum we can pay is the amount insured.
If you purchased your item more than 3 years ago, we will require a valuation by a National Association of Goldsmith's Institute Registered Valuer. We may be able to accept valuations from some reputable foreign firms, so for instance if you have purchased the item from Tiffany’s in New York you may not need to obtain a valuation from an National Association of Goldsmiths institute registered valuer. If you need clarification on this please call on 0845 355 1150 (or 01273 407808 if you prefer).
Should I keep hold of the receipt?
Yes, always keep the receipt as you will need this in the case of a claim.
It is also always a good idea to keep photos of the item as this can help should the worse happen.
Is there a policy excess?
No, there is no excess for this policy. Good news!
Am I insured on holiday or overseas?
Yes, you have unlimited worldwide coverage, see the wording for details.
Is there a “waiting period” before I can claim?
No. Once you are insured, cover commences straight away, subject to the terms and conditions laid out in the wording and contract of insurance.
Can I insure items for both ladies and men?
Yes absolutely. We can insure single items or collections for both men and women and any combination thereon.
I am buying for my girlfriend/fiancé/wife/partner – do they need to be named on the policy?
Yes, it is important that both parties are named in the policy. When you purchase the item and have it in your possession, you have the "insurable interest", however, as soon as you give this item to the "bearer" it is the "bearer" that has the insurable interest. If there are any problems, call us on 0845 355 1150 (or 01273 407808 if you prefer).
Why are there underwriting questions and what do they mean?
These are eligibility questions employed by the underwriter, they are not designed to trip you up or alienate you. It is merely the terms of the product. They are required for all online purchases. If you “fail” an eligibility question, it is possible we can still help you over the phone. We’ll just need a little bit more information. Give us a call on 0845 355 1150 (or if you prefer 01273 407808) and let us help you.
In arranging your insurance we will ask a number of questions which you are required to answer. Please take reasonable care to answer all the questions honestly, to the best of your knowledge and provide full answers and relevant details. If you do not answer the questions honestly or to the best of your knowledge then your policy may be cancelled or your claim rejected or not fully paid.
Providing us with information that is false or inaccurate before or after the start of this policy means you may be committing a fraudulent act, which is a crime. This may lead to us cancelling your policy and we may also refuse to settle any claim you may have made. Furthermore you may also be subject to either criminal or civil legal proceedings by either the Police or by us.
Where help text is provided in relation to a question please ensure that you read this fully to ensure the correct answer is provided.
What should I do with the items when not being worn?
For items valued up to GBP 20,000, cover is provided whilst at your home address as noted on the policy schedule and whilst away from your home. When you are away from your home you must be wearing the item; or have it within your close personal custody and control (for instance in your pocket or in a bag which you are carrying); or within a locked safe. If you are staying in a hotel this can be the room safe or the main hotel safe.
For items valued GBP 20,000 or over, cover is provided whilst at your home address as noted on the policy schedule and whilst away from your home. At all times you must be wearing the item, have it within your close personal custody and control (for instance in your pocket or in a bag which you are carrying); or within a locked safe. This applies whether you are in your home or away from your home. This means that if you take the item off at home or elsewhere, it would need to be kept in a safe to be insured (whether at your home or in a bank safe/bank safety deposit box). There is an additional “safe/worn” exclusion that applies to items valued GBP 20,000 or over whilst staying in a hotel – when the items are not being worn, or within your custody and control they must be kept in the principal hotel safe. There would be no cover if you left the item in your hotel room and it was stolen from your room, even if the item was in the room safe.
Occasionally, and depending on the value of a specific item, additional restrictions may apply, but we will always make this clear to you before you buy the cover.
If you need clarification on this please call us on 0845 355 1150 (or 01273 407808 if you prefer).
How do I cancel my policy?
You may cancel your policy at any time. You have a 14 day “cooling off period” which runs from either the date you receive your policy document or the start date of the policy (whichever is later). During the cooling off period, you will receive a full refund of any premium paid, less a cancellation fee of £2.50, as long as no claim has been made. After that time, a refund of the proportionate amount of the premium will be due, less a cancellation fee of £2.50. However, if you have made a claim under the policy, there would be no refund of premium due. You can call us on 0845 355 1150 (or 01273 407808 if you prefer) for more details on your cancellation rights.