Protection for physical gold, from grain to vaulted bars.
Gold & Bullion Insurance
Gold is the most liquid and most targeted of assets. Our bullion programme protects refiners, traders, banks and investors against theft, mysterious disappearance, damage and transit loss, with valuation clauses that track the daily fixing.
Overview
Why this cover matters
All-risks cover for investment gold, refined bullion, coins and unrefined material, whether in vault, in production or in transit.
Market-linked valuation
Settlement values follow the daily LBMA gold price so you are never under-insured as markets move.
Vault to vault
Seamless cover across storage, refining and armoured transit under a single policy.
Bank & refiner grade
Capacity and wordings built for high-turnover, high-value bullion operations.
What’s covered
- Theft, burglary, robbery and hold-up
- Mysterious disappearance and unexplained shortage
- Fire, flood and accidental physical damage
- Loss in transit by armoured carrier, air or sea
- Employee infidelity (optional extension)
Typical exclusions
- Loss from unexplained inventory shrinkage without controls in place
- War, nuclear and government confiscation
- Wear, tear and gradual deterioration
- Fraudulent trading or market losses
Exclusions are indicative. Your policy wording sets out the full terms.
Who it's for
Ideal for
- Refineries and precious metal traders
- Banks and bullion dealers
- Private and institutional investors
How it works
Getting covered
- 1
Risk survey
Our risk engineers review your vault, security grading and handling procedures.
- 2
Tailored wording
We structure limits, sub-limits and valuation clauses around your turnover.
- 3
Ongoing monitoring
Values are reconciled periodically so cover keeps pace with your holdings.
Questions
Frequently asked questions
Unless otherwise agreed, settlement is based on the LBMA fixing on the day of loss, plus any agreed refining or fabrication margin.
Yes. We can extend cover to allocated and segregated holdings in approved third-party and freeport vaults worldwide.
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Ready to protect your gold & bullion?
Speak with a specialist about tailored cover for your gold, jewelry or precious assets. Every conversation is confidential and without obligation.