Key Questions to Ask When Choosing Jewellery Insurance
When selecting jewellery insurance, asking the right questions can help you ensure your valuable ite...
Jewellery insurance info, helpful guides, resources and industry-leading insights.
When selecting jewellery insurance, asking the right questions can help you ensure your valuable ite...
When selecting jewellery insurance, asking the right questions can help you...
Welcome to our guide on navigating everyday jewellery dilemmas with the hel...
Concerned about the rise in watch and jewellery theft in 2024? A surge in t...
Luxury watches are all about style and prestige. But below the surface lies...
For over a century and a half, Longines watches have captivated collectors ...
Is your luxury watch not working quite the way it should? No need to panic.
You've built a collection of luxury jewellery that reflects your unique sty...
Black gemstone jewellery has an enigmatic allure that captivates the senses...
Are you wondering "how do I style pearls?" Step into the world of timeless ...
Keep up to date with the latest jewellery trends, insights and inspiration from Q Report.
Gone are the days when engagement rings were a one-size-fits-all affair! To...
Planning a gift for an engaged couple can feel like a high-stakes treasure ...
Picture this: the soft morning light filtering through the lace curtains as...
Do you know diamonds come in a wide range of colours?
When most people think of diamonds, they think of natural diamonds.
A natural diamond is as rich in history as it is in beauty. From the moment...
According to a 2019 survey of 20,000 newly-engaged couples, 21 percent of p...
Most people don’t consider buying diamonds until it’s time to purchase an e...
Your heart’s all a-flutter and it’s hard to sit still. So you’ve decided to...
Choosing the best jewellery insurance provider for your policy will allow you peace of mind should things go wrong. Your engagement rings, wedding rings and other jewellery aren’t just of monetary value, but of sentimental value too; as such, it really pays to have an insurance provider that understands the finer nuances of jewellery insurance.
Unfortunately – like any industry – there are some jewellery insurance providers that simply aren’t up to standard and can leave you with high premiums, low payouts and poor service. Thus, it’s important to do your research before you decide which jewellery insurance company is going to be in charge of your policy.
Here are some things to consider when finding the perfect match:
There are a few characteristics that you should look for in your jewellery insurance provider that will indicate whether they are the company for you. Here is a checklist of what to look for in your jewellery insurance provider:
Many of the insurance companies in Australia include jewellery insurance in their regular home contents policies. However, it is imperative to make sure that you are covered for the actual value of your jewellery if you have such a policy. Discuss with your insurer the exact amount that will be paid in the event of a claim.
If you don’t specify your jewellery, you will often be subject to limits of $500 or $1000, which may not be enough to replace your precious jewellery. If you do specify your jewellery, insurers often cover you up to the specified value. This doesn’t necessarily mean that they will pay the amount covered, especially if they are able to get a similar item of jewellery from one of their suppliers at a discount.
Also keep in mind that very few home contents insurance policies cover you for loss outside of your home (let alone when you travel abroad) and as such, you won’t have peace of mind when wearing your jewellery. Check with your home contents policy insurers to iron out these details. We highly recommend that you add specialised insurance for jewellery to your policy through them or an independent party.
There are a number of important questions that you need to ask before deciding on a jewellery insurance provider. These are the aspects that you should clear up with your provider before signing the dotted line:
Can I choose the jeweller that replaces/repairs my stolen, lost or damaged jewellery?
Can I have a breakdown of what I am covered for and the exact amount?
Do you have accidental coverage for my jewellery?
Is my cover international?
What is the claims process?
Do you have jewellery specific knowledge and experience in processing jewellery claims?
Do you offer free revaluation?
Choosing the right jewellery insurance provider ensures that should something happen to your precious pieces, you are fully covered. At Q Report, our specialised insurance for jewellery ensures that you are comprehensively covered for loss, theft and damage worldwide. At Q Report, we know jewellery; we love jewellery, and we believe that if you love your jewellery, you should Protect the things you love.
Get an instant quote below. Questions, call us anytime on 1300 882 018
The headline and subheader tells us what you're offering, and the form header closes the deal. Over here you can explain why your offer is so great it's worth filling out a form for.
Remember:
Get an instant quote now.
When selecting jewellery insurance, asking the right questions can help you...
Gone are the days when engagement rings were a one-size-fits-all affair! To...
Luxury watches are all about style and prestige. But below the surface lies...
This has not taken cut, colour, clarity or carat, your financial situation or your partners taste into account. There are many factors that can reduce or increase the value of an engagement ring.
Speak with one of our Q Certified Jewellers to find out what you can afford, what your partner is looking for and what will financially work best for you.