<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1204737666323810&amp;ev=PageView&amp;noscript=1">
q-report-logo-high-retina-v1 (1)
  • phone
  • 1300 882 018

PAY MY POLICY
INSTANT QUOTE
Q Insights

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

 

Jewellery Insurance

10 Facts You Need To Know About Engagement Ring Insurance

When you first start shopping for an engagement ring, you might feel that y...

How to Insure an Engagement Ring Without Home & Contents Insurance

Is it possible to insure an engagement ring without home and contents insur...

What Kind of Documents Do I Need to Get My Ring Insured?

You’ve found the ring of her dreams, and now you need to protect it. Specia...

Insurance Information

Side-by-Side Insurance Policy Comparison

If you could be doing anything today, what would it be? Shopping for insura...

How Much Does Engagement Ring Insurance Cost?

Wedding costs add up fast! And worse, the list seems to grow as you approac...

12 Reasons You Should Insure Your Jewellery

Some of your possessions are easy to replace. One television is much like t...

Luxury Watches

Luxury Watches - The Three Must-Haves for Any Collection

The luxury watch market has never been more exciting. From revivalist model...

What Does Watch Insurance Cover?

A luxury watch does more than tell the time. It brings an element of elegan...

Does Home & Contents Insurance Cover Luxury Watches?

Some people have one special watch (like their grandad’s Rolex), and others...

Jewellery Trends

20 Unique Marriage Proposal Ideas

Your partner is unique, special, one-of-a-kind. So your proposal should be ...

Our Top 10 Celebrity Proposal Stories

We all love sneaking glimpses of celebrity engagement rings on social media...

7 Luxury Watch Trends of 2019

No one “needs” a watch anymore, and maybe that explains our love of luxury ...

Subscribe

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

Engagement Rings

Engagement Ring Insurance: The Do’s and Dont’s

Yellow gold or white gold? Pear-shaped or oval? Wedding band or no?

Protecting Your Engagement Ring in Summer

Ah, summer - that carefree time of year when sandals rein and the sun keeps...

How to Avoid Damage to Your Finger and Engagement Ring if You Can’t Get it Off

It’s a panicky situation. Maybe it’s hot outside, and your finger is swolle...

Diamonds

Diamond Certificates Explained

Shopping for a diamond can be intimidating, especially if you haven’t done ...

Retail vs Resale: The Value of a Diamond

“It’s an investment.” You might hear this phrase as you shop around for jew...

Not Your Style? A Guide to Resetting Your Family Heirloom Diamond Ring

You’ve inherited a piece of jewellery from a beloved family member. Congrat...

General

Antiques Roadshow. Are You Sitting on a Gold Mine?

Have you seen the one where the long-haired man hears what his watch is wor...

How to Propose & The Best Places to Do it in Australia

Just one thing stands between you and marital bliss. You have to propose ma...

Durable Wedding Bands for the Handyman

Men’s wedding bands can take a beating. Whether you’re fixing a roof or pla...

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

You’ve found the perfect ring! It suits your personality and lifestyle, and it’s the quintessential symbol of your love and commitment. It looks gorgeous on your hand, but worries nag at you. What if I lose it? What if someone steals it? What if the diamond falls out?

Many brides and grooms solve these problems by purchasing engagement ring insurance. When you know your ring is protected from the unexpected, you can wear it with confidence, even if you’re travelling overseas for your honeymoon.

But how does the process work? In this post, we’ll look at the complete journey, from obtaining cover to handling a claim. Let’s get started.

 

Obtaining Insurance

You can get Q Report engagement ring insurance in one of two ways. If you purchase your ring from one of the many Q Certified jewellers in your area, in most cases, you can obtain coverage at the moment of purchase. With this option, your ring is covered from the moment you walk it out of the shop. 

If you’ve already purchased your ring, however, you can obtain insurance directly from us. Start by receiving an Instant Quote. If you like what you see, provide us with the documentation for your engagement ring, and we can process your application. It’s a quick, simple process, and you will soon have adequate protection for your treasure.

 

New call-to-action

 

Making Payments

Safeguard your engagement ring all year round with one secure annual payment. You can pay your premium online and then rest assured that it is covered. That one payment includes all of the following:

  • Twelve months worldwide cover - Take your engagement ring everywhere you go.
  • Return to your original jeweller - If your ring is damaged or lost, you can make a claim and return to the jeweller you know and trust.
  • Annual revaluation - Our jewellery experts revalue your insured jewellery every year, so you always know that you have enough coverage.
  • Agreed value with up to 125% cover - If replacing your jewellery will cost more than you bought it for, we’ve got you covered for up to 125% with our Q Classic policy.
  • Low, fixed $100 excess - We pride ourselves on providing absolute transparency and never go back on this promise.

 

Each year when it’s time to renew your policy, we’ll revalue your insured engagement ring. You’ll receive an invitation to renew your policy 28 days before the expiration of your policy. At that point, you can either pay the annual policy amount payable or pay by monthly instalments and be insured for a further 12 months. Be aware that paying annually is more cost-effective. The additional cost of choosing the monthly payment option is 10% over 12 months. For example, if your annual premium is $300 and you wanted to pay by monthly instalments, you would end up paying $330 over the 12 months.

 

The Claims Process

Ideally, you’ll never go through the trauma of having your ring stolen, lost or damaged. But if something traumatic happens, you have a straightforward path to restoration or replacement.

As soon as you experience a loss, get in touch with us. You can either call us on 1300 882 018 or email us at claims@qreport.com.au. Once you let us know of the loss, we’ll guide you through the next steps. We’ll need a statutory declaration and a police report (if your ring was lost or stolen).

With this information, we’ll take care of the rest. Our personable and efficient staff will liaise with your jeweller and the underwriter and keep you updated along the way.

Assuming there are no problems, and we don’t require any further information, claims are usually processed and approved within five business days. In many cases, the time is much shorter.

 

Other Services

Cover for your engagement ring brings significant peace of mind. If you want to extend that comfort to your other treasures, consider obtaining insurance for your other fine jewellery and luxury watches. Are you in possession of an heirloom pendant? Do you shudder to think of losing your Rolex? We can provide you with the same quality cover for these treasures that you enjoy for your engagement ring.

To start with the process today, contact us or start with an Instant Quote. We look forward to protecting the things you love.

 

New call-to-action

Jewellery Insurance Instant Quote

Global-Calculator-Background

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

10 Facts You Need To Know About Engageme...

When you first start shopping for an engagement ring, you might feel that y...

Engagement Ring Insurance: The Do’s and ...

Yellow gold or white gold? Pear-shaped or oval? Wedding band or no?

Subscribe

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

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