The short answer
Standard UK contents covers loss only inside the home for jewellery; loss outside requires personal possessions / all-risks cover. Items over the single-article limit (commonly £1,500–£2,500) must be specified individually with a recent valuation or receipt.
Frequently asked
- Do I need a valuation?
- Yes for any item over the single-article limit — a jeweller's valuation no older than 3 years is usually accepted.
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