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Q Insights

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


Jewellery Insurance

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Helpful Resources

Featured Resource

The Complete Guide to Jewellery Insurance

Access the Guide
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The Ultimate Guide to Luxury Watches

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Featured Resource

Ring Size Guide & Sizer

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Floods, cyclones, bushfires and hailstorms. All of these natural disasters pose dangers to your valuables, and that’s why you purchase insurance for your home and contents. But if you’ve examined the details of your policy, you know that per-item limits and other restrictions make jewellery insurance a better alternative for your precious earrings, pendants and rings.

Does jewellery insurance cover natural disasters? Yes, it does, but that’s certainly not all it covers. Let’s examine the essentials and then walk through the steps for insuring your favourite pieces.


The Eye of the Storm

Natural disasters can turn your life upside down. If you have to relocate to a new home during renovations or replace any of your personal belongings, the uncertainty can be extremely difficult to manage.

One of the most challenging aspects of a devastating storm or disaster is that people often lose personal mementoes like photographs, journals and jewellery. While we can’t replace your photographs, we can replace your engagement ring or that gorgeous tennis bracelet your parents gave you at graduation.

With personalised jewellery insurance, your piece is protected from any and all natural disasters.


From Damage to Complete Loss

What types of damage can we handle? Your diamond ring might lose its centre stone, or your luxury watch could slip off your wrist and be lost. Whatever the damage, our policy can restore it to you as if the tragic event never happened.

If your jewellery survives but requires repairs, you can return to your original jeweller (or any other provider of your choice) for restoration. If the piece is lost in the disaster, your benefit will replace it. Again, you can choose your jeweller; we won’t shop around for the lowest possible replacement price.


An Agreed Value for Full Replacement

Our jewellery insurance policy provides an agreed value. That means we cover your piece for the insured value shown on your policy, not “up to” that amount.. Therefore, if it’s damaged or lost in a natural disaster, you’ll have enough of a benefit to completely restore it.

What if your engagement ring is insured for $6,500 and your jeweller says it will cost $7,000? This sometimes happens because of a fluctuation in currency exchange rates, temporary scarcity in the market or unexpectedly high labour costs.

To manage this situation, we offer up to 150% cover on all of our policies. If it’s difficult to source an emerald-cut diamond that suits your engagement ring, we pad your benefit so your piece can be replaced, even if the repairs cost a bit more than expected.


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Steps for Securing Jewellery Insurance

To protect your favourite jewellery from natural disasters and other perils, start the process of purchasing specialised insurance today. It’s a simple, straightforward course of action:

1 - Get an instant quote

Before you decide to take the leap, know exactly what to expect by getting an instant quote. In just a few minutes, you can enter enough information to receive an indicative figure that will help you to know if you wish to proceed.

2 - Provide documentation

The next step is to provide information about your piece of jewellery. If you purchased your jewellery through a Q Certified Jeweller, in most cases they can insure your piece at the point of sale without you having to provide further documentation.

In all other cases, we’ll usually need copies of the following documents:

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

For luxury watches, we’ll also need:

  • Warranty Card
  • Photo of the back of the watch

If you can’t locate all of the above, don’t worry. Send us what you have, and one of our consultants will review it and let you know if we need anything further.

3 - Receive a Formal Quote

We always determine a piece’s market value for insurance purposes so you know you have the right level of protection. In fact, every year when it’s time to renew your policy, we provide an updated professional revaluation free of charge. 

Your formal quotation will include the insured value that provides proper coverage at all times, from the first day your policy takes effect.

4 - Pay for Your Specialised Jewellery Insurance

Coverage is instant from the moment payment has been successfully received. As soon as you receive a Coverage Summary confirming you’re covered, your piece is protected from natural disasters and other dangers such as theft, damage and loss. You’ll have peace of mind knowing your jewellery can be repaired or replaced, no matter what happens to it.

If you’re ready to protect your favourite jewellery or watches, start by receiving an instant quote. And if you have any questions along the way, reach out to us at 1300 882 018 or visit our FAQ page. Beat calamities before they ever show up at your door by protecting the things you love.


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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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