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Jewellery insurance info, helpful guides, resources and industry-leading insights.

 

Jewellery Insurance

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Diamonds

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General

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Helpful Resources

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The Complete Guide to Jewellery Insurance

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The Ultimate Guide to Luxury Watches

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Ring Size Guide & Sizer

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5 Reasons You Need Specialist Jewellery Insurance

Q Report Team
Updated on February 09, 2023
1 min read

We have to admit - organising your jewellery insurance is somewhat less romantic than buying an engagement ring or planning a wedding.

But it must also be said that unless you are psychologically prepared to pay in full for the replacement or repair of your ring if something goes wrong, insuring your engagement ring is not an option. It's an absolute must, and here are the reasons why:

  1. Home insurance won't cover youMultiple pitfalls and gotchas in the fine print can lead to an emotional rollercoaster when you find out you're not actually covered.
    For example, if you're insured up to $10,000, your insurance company will do everything they can to replace it for something similar... which in all likelihood could mean a ring from their network of jewellers which is really worth less than $4000.
  2. Warranty is not insurance - Warranty only covers you for manufacturing defects. Not theft, loss or damage!
  3. You use your hands every day. And every day we do things which could knock the diamond loose, scratch and chip it, damage the metal, or you even may put the ring down somewhere and forget about it until you get that chilling realisation your precious ring is missing.
  4. Q Report Jewellery Insurance insures at an agreed value. What you paid for is what we will replace.
  5. It's less expensive that you think. Click here to get a free, instant quote.

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Engagement Ring Budget Calculator

What you need to save to meet your timeframe and budget is:

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.


Not sure where to start?

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.

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