This tells you what you need to know about your Jewellery & Watches Module subscription. You also need to read the Master Module which tells you other important information that affects this coverage module. Words in bold which specifically relate to this coverage module are defined below.
YOUR JEWELLERY & WATCHES
| [Autofill Description] | £XXX |
WHAT THIS JEWELLERY & WATCHES MODULE DOES
This coverage module covers the jewellery and watches listed above up to the amount(s) listed above for theft, accidental loss or accidental damage anywhere in the world. We will always try to repair or replace your jewellery and watches whenever possible.
The most we will pay in total to repair or replace any of your insured assets following a claim for theft, accidental loss or accidental damage occurring outside of your home is £250,000.
YOUR EXCESS
There is no excess applicable to this coverage module.
SAFES
If the combined value of your insured jewellery and watches is less than £500,000 then there is no requirement for you to have or use a safe when your insured jewellery and watches are at your home.
If the combined value of your insured jewellery and watches is greater than £500,000 then you must have at least one safe at your home and the most we will pay to repair and replace any jewellery and watches which are not deposited in a locked safe is £500,000.
When your insured jewellery and watches are outside your home they must be deposited in a locked safe or locker when they are not being worn or being carried by you.
WHAT THIS JEWELLERY & WATCHES MODULE DOES NOT DO
This coverage module does not cover:
- Any accidental damage that occurs gradually, including wear and tear, scratching, denting, rust or oxidation;
- Misuse, faulty workmanship or design, or the use of faulty materials;
- Mechanical or electrical faults or breakdown;
- Any accidental damage caused by or resulting from cleaning, restoration, maintenance or alteration;
- Any accidental loss or theft of your jewellery and watches with a combined value of greater than £500,000 inside of your home unless the jewellery and watches are deposited in a locked safe;
- Any accidental loss or theft which occurs outside of your home unless the asset is:
- being worn by you; or
- being carried by you; or
- deposited in a locked safe or locker with the keys removed.
PRECIOUS STONES
You must ensure that any watch or item of jewellery that contains set precious stones is maintained at your expense not less than once every three years by a National Association of Jewellers registered jeweller or Zing Cover partner.
WHAT TO DO IF YOU NEED TO MAKE A CLAIM
We hope that nothing unfortunate happens to your jewellery and watches, but if something does you need to tell us as soon as reasonably possible by going to the Claims section of your Zing account.
We know that it can be a stressful time, but it will help if you can use your phone to take photos of the scene of where the accidental damage, accidental loss or theft occurred, and to record anything that you think will help us to quickly and smoothly handle your claim. If you are making a claim for theft, you must also report the loss to the police and obtain a crime reference number.
You can get assistance from one of our claims managers by going to the Claims section of your Zing account.
HOW WE WILL SETTLE YOUR CLAIM
We will be in touch with you shortly after you notify us of a claim. You will always be contacted by a member of ourclaims team. Wherever it is possible, we will arrange for your jewellery & watches to be repaired by the Zing Cover partner associated with the asset(s), as shown in your Zing Cover account.
If your jewellery & watches cannot be repaired or you have been the victim of a theft or accidental loss, we will arrange for the asset(s) to be replaced with a new asset(s) which is as close as possible to the asset(s) you originally purchased with a retail price not exceeding the value listed for that asset in your Zing account. Wherever it is possible, we will arrange for your jewellery & watches to be replaced by the Zing Cover partner associated with the asset(s), as shown in your Zing Cover account. Where we do not believe this is possible or appropriate we may use another specialist repairer or supplier.
DEFINITIONS USED IN THIS JEWELLERY & WATCHES MODULE
Accidental damage means the physical damage of your jewellery and watches caused by someone else or unintentionally by you.
Accidental loss means the physical loss of your jewellery and watches.
Coverage module means a subscription you have purchased from us which is displayed in your Zing account.
Home means the address stated in your Zing account.
Theft means the unlawful taking of your jewellery and watches by someone else with the intention of permanently depriving you of it.
We/ us/ our means Zing, a trading name of Covertech Ltd (FRN 976493), underwriting on behalf of Chubb European Group SE.
You/ your means the person(s) named in your Zing account.
© Covertech Limited, 2025