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

 

Jewellery Insurance

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You’ve found the ring of her dreams, and now you need to protect it. Specialised jewellery insurance provides round-the-clock cover for that gorgeous sparkler. Whether you’re working from home or hiking a mountain peak, it will be protected no matter where you go.

Now all you have to do is secure that insurance. Fortunately, the process is simple and straightforward. Here at Q Report, we just need a few documents to process your application and start your coverage.

 

If you’re seeking insurance for a ring you’ve previously purchased…

If you’ve already purchased the ring, we’ll need the following documents:

 

Receipt of purchase

The receipt for your ring provides useful information about the ring’s value, age and origin. Even if you bought the ring years ago, it still helps underwriting to accurately assess the piece’s value and assign an appropriate Agreed Value.

 

Photo of ring 

Photographs of your ring document its condition and unique characteristics. Please send images of both the top and side views of your ring, so we have an accurate picture of its dimensions and design.

 

Valuation

A ring’s value may change over time depending on market conditions, exchange rates and current demand for precious metals and stones. Because of this, we provide our customers with a complimentary revaluation each year upon renewal. To begin the policy, we’ll need an accurate assessment.

 

Diamond / Gemstone certificate

Diamond and gemstone certificates include information about the stone’s carat weight, clarity, cut and colour. Two diamonds of the same size can have vastly different values depending on their occlusions, craftsmanship and other characteristics.

 

Proof of possession

To prove that you have the ring in your possession, all you have to do is take a photo of it in front of a document with today’s date. A newspaper or receipt works well for this requirement. 

If you don’t have one or more of these documents, give us a call. We’ll work through the issue and figure out a solution.

 

Bespoke Jewellery Insurance

 

If you purchase your ring through a Q Certified Jeweller…

From Diamond Boulevard in Gold Coast, Queensland, to Affinity Diamonds in Sydney CBD, it’s not difficult to find a Q Certified Jeweller. And the benefits of buying from one of these fine establishments are many.

For one, you can purchase Q Report ring insurance at the point of sale, and you don’t have to provide any further documentation. Your jeweller will handle all the details, and you can walk out of the store with an exquisite, fully-insured ring.

 

What happens when it’s time to renew my policy?

As we mentioned before, jewellery market values fluctuate. That’s why we include a revaluation as part of the renewal process of your Q Report policy. Each year, your ring will be analysed by our proprietary software and expert in-house jewellers. They’ll research any changes to the costs of raw materials and how that may impact the value of your ring in today’s market. We do this revaluation at no charge to you. 

Following this review process, you’ll receive an invitation to renew your policy 28 days before the expiration of your policy. At that point, you have the option to either pay the annual policy amount payable or pay by monthly instalments and be insured for the next 12 months.

 

What if I want to add another piece of jewellery to my policy?

Once you experience the peace of mind and freedom associated with specialised jewellery insurance, you may want to insure another item. Our customers often mention how much more they get to enjoy their jewellery, knowing it’s protected from the unexpected.

Suppose you want to add another piece of jewellery to your ring policy. In that case, all you have to do is provide the documentation mentioned above and include your current policy number in your email. That way, we’ll be able to link the cover for your new piece to the policy for your ring. 

Simply email info@qreport.com.au with the following:

  • Q Report policy number (this begins with RP)
  • Receipt of purchase
  • Photo of jewellery (top and side view)
  • Valuation
  • Diamond / Gemstone certificate (if applicable)
  • Proof of possession – take a picture of the item in front of a document with today’s date (e.g. a newspaper or receipt).

Still have questions? Ring us at 1300 882 018 get your instant quote today!

 

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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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