Embedded Jewellery Cover
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The average UK engagement ring costs £2,247. Most home insurance policies cap single items at around £2,000, so the typical sale already sits outside the typical policy. Nobody goes home and insures a ring afterwards. They go home and wear it.
Loxa's jewellery cover closes that gap at the counter. Accidental damage and theft cover, for 1 or 2 years, offered in the same transaction as the sale.
In-store, your team offers cover as part of the sale and logs the policy through the Loxa Portal or your existing till system. The customer receives their documents by email and cover begins straight away. We provide staff training, counter materials and customer leaflets.
Online, the cover option sits on your product and basket pages, styled to your storefront, and the customer adds it in the same basket.
What it covers: accidental damage including impact, drops and liquid damage. Theft, with a valid police report. Repair or replacement up to the insured value. UK cover plus worldwide cover for trips of up to 180 days. No excess on any claim.
What it means for you: commission earned on every product protection policy sold. No setup cost, no capital required, no change to how you take payment, and no additional regulatory burden on your business. We handle every insurance query and claim after the sale, so your team is not carrying it.
When a claim is approved: we arrange the repair, ideally at your own bench with pre-agreed costs. Where a replacement is needed, it is sourced from you and paid to the customer as a voucher. The customer comes back through your door rather than to whoever has the cheapest stock.
Loxa is live with 50+ leading UK retailers. Come to stand R24 to see how it works on your pieces.
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