<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1204737666323810&amp;ev=PageView&amp;noscript=1" alt="facebook">
Q Insights

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

 

Jewellery Insurance

How To Solve Everyday Dilemmas With Jewellery Insurance

Welcome to our guide on navigating everyday jewellery dilemmas with the hel...

Is Watch & Jewellery Theft on the Rise in 2024?

In 2024, a concerning surge in theft threatens the world of luxury as watch...

The Sentimental Value of Insuring Your Jewellery

Jewellery can be more than a style choice. Our most precious pieces are a r...

Insurance Basics

Five Out of Five: The Top 20 Q Report Insurance Reviews

Our customers speak from the heart, and when it comes to your precious jewe...

What is a ‘No Impact Claim’ in Jewellery Insurance?

How would you feel if you lost your favourite piece of jewellery?

Does Jewellery Insurance Cover Natural Disasters?

Floods, cyclones, bushfires and hailstorms. All of these natural disasters ...

Luxury Watches

Exploring Audemars Piguet Women's Watches

In this blog, we delve into the world of women's watches, exploring how Aud...

Luxury Watch Trends to Look Out For in 2024

2024 is set to be another enticing year for luxury watch releases!

A How-To Guide To Getting Your Luxury Watch Repaired

Luxury watches are made with precision and attention to detail. But they're...

Jewellery Trends

The Enduring Appeal of Black Gemstone Jewellery

Black gemstone jewellery has an enigmatic allure that captivates the senses...

How To Create Stunning Looks With Pearls

Dive into the world of timeless elegance with our guide to styling pearl je...

Jewellery Trends in 2024: Big and Bold Statement Looks

Step into the world of haute couture and adornment as we unveil the hottest...

Subscribe

Keep up to date with the latest jewellery trends, insights and inspiration from Q Report.

Diamonds

Live Your Life in Colour: Canary Diamond Engagement Rings

Do you know diamonds come in a wide range of colours?

Lab Grown vs Natural Diamonds (What's the Difference?)

When most people think of diamonds, they think of natural diamonds.

The Surprising Science Behind Diamond Cutting

A natural diamond is as rich in history as it is in beauty. From the moment...

General

Proposing at Home: Do’s and Don’ts

According to a 2019 survey of 20,000 newly-engaged couples, 21 percent of p...

Are Diamonds a Good Investment?

Most people don’t consider buying diamonds until it’s time to purchase an e...

Brisbane’s Top 10 Proposal Locations

Your heart’s all a-flutter and it’s hard to sit still. So you’ve decided to...

Helpful Resources

Featured Resource

The Complete Guide to Jewellery Insurance

Access the Guide
Featured Resource

The Ultimate Guide to Luxury Watches

Access the Guide
Featured Resource

Ring Size Guide & Sizer

Download Guide

 

 

Your ring may be listed under your home insurance policy, but you’re not actually covered outside the home - unless you take extra note of the fine print and specify it on a personal valuables add-on policy - so if something should happen to your ring while you’re out and about, chances are you're not going to be covered.

And while we’re talking about fine print, most home policies say things like “you’re insured UP TO a certain value”. So really, that means if you’ve got a ring that’s valued at $5,000, that’s what it’s insured at… your insurance may replace it with something similar they find that’s a whole lot cheaper.

That $5,000 is not an agreed value, it’s the maximum.

And lets say that if you need your piece replaced, you may not be able to go back to your original jeweller - the person you trusted to buy your ring from in the first place. Most insurers have special deals with their own jewellers, and could make you play by their rules.

Also, did you know you can’t just sign an insurance policy, put it in the bottom draw and forget about it? You actually need to keep your own jewellery values up to date. That means keeping an eye on the exchange rate and knowing how it affects the value of your stone, and who has time to do that?

You have to look after that little baby.  If for example the claws get a little loose, the insurer could make a note of it on your quote. And if the diamond on your ring then falls out, you may be out of luck. The fact that the claws were worn could be grounds for the insurer to deny your claim altogether.

You can’t really rely on your insurance company to keep all the details of your piece, they’ll probably just attach a couple of lines to your policy to describe your ring. So, the details are your job. You should always have photos and the diamond certificate in the case of your engagement ring, that’s your own form of insurance against getting something mediocre to replace your special piece.

Remember, this is your precious piece, your memories and it's something you want to keep forever.

If you want more advice on how to treasure the one you love, visit qreport.com.au.

 

New call-to-action

Jewellery Insurance Instant Quote

Global-Calculator-Background_resized

Jewellery Insurance Instant Quote

PLEASE CONFIRM YOUR DETAILS AND SELECT THE BEST TIME FOR US TO CALL YOU

BACK TO YOUR QUOTE

SEE WHAT OUR CUSTOMERS SAY ABOUT US

Related Articles

Sapphire Jewellery: A Guide for Collecto...

Immerse yourself in the timeless elegance and captivating allure of sapphir...

Exploring Audemars Piguet Women's Watche...

In this blog, we delve into the world of women's watches, exploring how Aud...

Luxury Watch Trends to Look Out For in 2...

2024 is set to be another enticing year for luxury watch releases!

Read what's next

Vector (25)

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.

Find your local jeweller
How much would insurance cost?
Get an instant quote