Protect your
clients' valuables.

Online, we integrate via a native app for your platform, or via direct API. Customers see a Loxa protection option alongside your product and add it to the basket in three clicks. In-store, your team logs policies via our online portal in seconds. There is no change to your existing checkout flow either way.

Cosmetic damage, normal wear and tear, loss or misplacement, intentional damage, damage during delivery on online orders, and anything already covered by the manufacturer.

A meaningful marketing fee on every policy sold, paid to you on every sale. We also offer a tailored forecast that factors in your insurance revenue alongside the other levers that shift when you start offering protection at checkout. It gives you a clearer view of what this is worth to your business. Submit your details via the form above and our team will walk you through it.

No. Loxa Ltd is the FCA-authorised insurance intermediary (FCA no. 1018666). You offer the product to your customers as part of your sales journey; Loxa carries the regulatory responsibility.

At the point of sale, cover goes up to £5,000. For items above that, the customer ticks a box at checkout and we send a tailored, co-branded cover offer by email on your behalf. Maximum claim value is £20,000.

Home contents policies typically cap single items at £1,500 to £2,500, which already sits below the average engagement ring or watch. They also carry an excess on every claim, often running into hundreds of pounds. Loxa policies carry no excess at all. Our cover is specific to the item, starts at the moment of purchase, and the claims experience is built around your customer, not buried inside a multi-line insurance policy.

Accidental damage, including impact, drops, and liquid damage. Theft of the insured item, with a valid police report. UK cover plus worldwide cover for trips up to 180 days. Repair where possible, replacement up to the insured value where not.

Cover is priced as a percentage of the item's value, with competitive, preferential rates designed for jewellery and watch retailers. We will share the exact figures with you in our conversation.

Nothing. There is no setup fee. Most retailers go live within 48 hours.

They don't have to. We handle all claims and customer enquiries directly. Customers claim through Loxa's portal, and we assess, approve, and arrange repair or replacement, aiming to approve within 48 hours. If a replacement is needed, we source it from your store at RRP minus 20%, paid as a voucher to the customer.

Yes. We offer flexible trial arrangements for retailers who want to test the model first.

Many retailers do, often with leaflet-based schemes that see take-up below 5%. Loxa typically achieves 15 to 25% take-up by embedding cover at the counter, pays a meaningful marketing fee on every sale, and routes claim replacements back to your store as vouchers rather than cash. We are happy to walk you through the full comparison.