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Explore Q Report's Content Centre for expert advice on jewellery insurance. You can also read e-guides and blogs, watch videos and more.

Explore Q Report's Content Centre for expert advice on jewellery insurance. You can also read e-guides and blogs, watch videos and more.

Jewellery, engagement ring & watch advice, plus insurance tips & industry insights. 

Watch expert tips, discover insurance benefits & hear real customer stories. 

Find answers to common questions about jewellery, engagement ring & watch insurance. 

Click here to access important policy documents - Product Disclosure Statement, Financial Services Guide, and Policy Wording.

Click here to access the Target Market Determination (TMD) document.

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‘Mysterious Disappearance’ in Jewellery Insurance: What to Know

Q Report Team

Updated on March 12, 2025
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It’s easy to verify damage when you have the remnants of your precious sparkler in your hand. Perhaps you’ve been boating, and your ring knocked against the side of the vessel, bending the ring’s claws out of shape (this actually happened to one of our clients).

Or maybe you suffer a house fire and later find the crushed remains of your engagement ring in its protective box (this also comes from a real-life story).

In such cases, specialised jewellery insurance saves the day by providing enough benefit to completely restore the damaged pieces. But what if your jewellery mysteriously disappears?

What Does ‘Mysterious Disappearance’ Mean?

When insurance professionals use the term, ‘mysterious disappearance,’ they’re describing a claim for a lost piece of jewellery or a lost stone from a piece. The circumstances don’t necessarily need to be ‘mysterious’. The claimant might know exactly where the item is, but it’s irretrievable.

For instance, a woman may know precisely where she was when her engagement ring slipped off her finger while swimming in a lake. The disappearance isn’t mysterious, but to her, the wedding ring is lost forever.

Home and Contents Probably Can’t Help with a Mysterious Disappearance

Your Home and Contents policy probably provides limited cover for jewellery, but these policies typically cover items only when they’re in your home. Seldom do contents policies cover jewellery (or gems from jewellery pieces) that mysteriously disappear.

Additionally, home and contents insurance typically imposes a limit of around $2,000 for the loss by theft for jewellery, luxury watches and precious stones. That means that, regardless of the actual value of the item or items lost, the insurance company won’t pay more than $2,000. In 2019, Aussies spent an average of $5,297.50 on an engagement ring. A $2,000 benefit is not nearly enough to cover the loss of a typical sparkler.

What’s the Answer?

We believe that jewellery is meant to be worn and enjoyed, and favourite pieces like engagement rings and watches go everywhere with us: to work, out on the town and on holiday. As small as these items are, sometimes they sadly ‘mysteriously disappear.’ But that doesn’t mean you have to abandon them to the universe.

With specialised Q Report jewellery insurance, your Rolex Submariner or Natalie Marie wedding set can be fully restored to you, whether it’s stolen by a thief or a raucous riptide.

How does jewellery insurance safeguard your treasures against such disasters?

Agreed Value Policy

Unlike typical Home and Contents insurance, our specialised Q Report insurance provides an Agreed Value policy, meaning you are covered for the insured value shown on your policy, not “up to” that amount.. 

Some companies refuse to pay the full amount shown on your policy if they can replace your item for less by using terminology like “up to the sum insured.” We don’t play games like that. If your Patek Philippe Aquanaut has an agreed value of $58,200, we won’t try to force you into a less-expensive replacement. 

But how do you know if the amount of your policy is up-to-date?

 

Mysterious Disappearance Coverage

 

Complimentary Revaluations

The prices of fine jewellery and luxury watches fluctuate from year to year. This happens because of supply and demand, market conditions and even currency exchange rates. To keep your policy up-to-date, we offer a complimentary revaluation each year when you renew.

Our jewellery experts review the details of your piece, including the current market prices for both precious stones and metals. You’ll always know that your item is insured at the correct value in the case of a mysterious disappearance.

Return to Your Original Jeweller

You may have been working with a trusted jeweller for years, and we appreciate that relationship! That’s why we make sure you can return to the jeweller of your choice in the event of a complete loss.

In fact, we always suggest that you go back to your original jeweller for repairs or replacement. You chose that jeweller for a reason in the first place, and you’re likely to be pleased with the results. We will not dictate where you need to go; it’s completely up to you.

Premiere Customer Service

Losing a precious piece of jewellery is traumatising. That’s why we worked diligently to settle claims as quickly as possible. Robert Gower put it this way:

“I would recommend Q Report to anyone looking to insure jewellery. Making a claim was so easy and straight forward; exactly the type of service you need at the stressful time of losing or damaging a prized possession.”

Get a Quote Today!

Pre-empt a disaster by insuring your treasured jewellery with Q Report. You can wear it with peace of mind, knowing it will be fully restored to you if the unimaginable happens.

Get an instant quote online, or if you prefer to talk, ring us at +612 9234 0580. We’re happy to answer any questions or start on the application process. Your ‘mysterious disappearance’ can have a happy ending when you protect the things you love.

 

Mysterious Disappearance Coverage

Purchase Amount

To get an accurate insurance quote, please provide the amount from your purchase receipt.

Don't have the receipt?

If you don't have the receipt, you can provide the most recent valuation amount instead.

OK
Related Posts
Featured Posts
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Jewellery Insurance

Instant Quote
play-audio
Listen to article
/

It’s easy to verify damage when you have the remnants of your precious sparkler in your hand. Perhaps you’ve been boating, and your ring knocked against the side of the vessel, bending the ring’s claws out of shape (this actually happened to one of our clients).

Or maybe you suffer a house fire and later find the crushed remains of your engagement ring in its protective box (this also comes from a real-life story).

In such cases, specialised jewellery insurance saves the day by providing enough benefit to completely restore the damaged pieces. But what if your jewellery mysteriously disappears?

What Does ‘Mysterious Disappearance’ Mean?

When insurance professionals use the term, ‘mysterious disappearance,’ they’re describing a claim for a lost piece of jewellery or a lost stone from a piece. The circumstances don’t necessarily need to be ‘mysterious’. The claimant might know exactly where the item is, but it’s irretrievable.

For instance, a woman may know precisely where she was when her engagement ring slipped off her finger while swimming in a lake. The disappearance isn’t mysterious, but to her, the wedding ring is lost forever.

Home and Contents Probably Can’t Help with a Mysterious Disappearance

Your Home and Contents policy probably provides limited cover for jewellery, but these policies typically cover items only when they’re in your home. Seldom do contents policies cover jewellery (or gems from jewellery pieces) that mysteriously disappear.

Additionally, home and contents insurance typically imposes a limit of around $2,000 for the loss by theft for jewellery, luxury watches and precious stones. That means that, regardless of the actual value of the item or items lost, the insurance company won’t pay more than $2,000. In 2019, Aussies spent an average of $5,297.50 on an engagement ring. A $2,000 benefit is not nearly enough to cover the loss of a typical sparkler.

What’s the Answer?

We believe that jewellery is meant to be worn and enjoyed, and favourite pieces like engagement rings and watches go everywhere with us: to work, out on the town and on holiday. As small as these items are, sometimes they sadly ‘mysteriously disappear.’ But that doesn’t mean you have to abandon them to the universe.

With specialised Q Report jewellery insurance, your Rolex Submariner or Natalie Marie wedding set can be fully restored to you, whether it’s stolen by a thief or a raucous riptide.

How does jewellery insurance safeguard your treasures against such disasters?

Agreed Value Policy

Unlike typical Home and Contents insurance, our specialised Q Report insurance provides an Agreed Value policy, meaning you are covered for the insured value shown on your policy, not “up to” that amount.. 

Some companies refuse to pay the full amount shown on your policy if they can replace your item for less by using terminology like “up to the sum insured.” We don’t play games like that. If your Patek Philippe Aquanaut has an agreed value of $58,200, we won’t try to force you into a less-expensive replacement. 

But how do you know if the amount of your policy is up-to-date?

 

Mysterious Disappearance Coverage

 

Complimentary Revaluations

The prices of fine jewellery and luxury watches fluctuate from year to year. This happens because of supply and demand, market conditions and even currency exchange rates. To keep your policy up-to-date, we offer a complimentary revaluation each year when you renew.

Our jewellery experts review the details of your piece, including the current market prices for both precious stones and metals. You’ll always know that your item is insured at the correct value in the case of a mysterious disappearance.

Return to Your Original Jeweller

You may have been working with a trusted jeweller for years, and we appreciate that relationship! That’s why we make sure you can return to the jeweller of your choice in the event of a complete loss.

In fact, we always suggest that you go back to your original jeweller for repairs or replacement. You chose that jeweller for a reason in the first place, and you’re likely to be pleased with the results. We will not dictate where you need to go; it’s completely up to you.

Premiere Customer Service

Losing a precious piece of jewellery is traumatising. That’s why we worked diligently to settle claims as quickly as possible. Robert Gower put it this way:

“I would recommend Q Report to anyone looking to insure jewellery. Making a claim was so easy and straight forward; exactly the type of service you need at the stressful time of losing or damaging a prized possession.”

Get a Quote Today!

Pre-empt a disaster by insuring your treasured jewellery with Q Report. You can wear it with peace of mind, knowing it will be fully restored to you if the unimaginable happens.

Get an instant quote online, or if you prefer to talk, ring us at +612 9234 0580. We’re happy to answer any questions or start on the application process. Your ‘mysterious disappearance’ can have a happy ending when you protect the things you love.

 

Mysterious Disappearance Coverage

Table of Contents

Introduction
Understanding the 4 Cs of Diamonds
Diamond Shapes
Choosing a Ring Style
Selecting a Ring Retailer

Understanding Mechanical Movements

Rolex-super-precision

Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.

Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.

Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.

The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.

Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come

Luxury Watch Complications: Exploring Hidden Features & Functionality

Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.

Statistic Heading

Rolex-super-precision

Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.

Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.

Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.

The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.

Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Common Diamond Alternatives
for Engagement Rings

Tanzanite

Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.

Aquamarine

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Sapphire

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Luxury Watch Complications: Exploring Hidden Features & Functionality

Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

“Knowing your engagement ring is insured brings peace of mind. Accidents can happen, and insurance coverage alleviates the worry and stress of potential loss or damage.”

Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.

Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.

Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.

The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.

Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come

Export
Expert Tip

Budget Considerations

Diamond shapes can vary in price due to popularity and demand. Round brilliants, for example, tend to be more expensive than other shapes due to their high demand. If budget is a concern, consider alternative shapes or prioritise other aspects, such as cut quality, over the shape itself.

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Jewellery Insurance FAQ

Contents insurance covers the items within your home in case they are damaged, lost or stolen. This can include furniture, electronics, clothing and other personal.  Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.

Contents insurance covers the items within your home in case they are damaged, lost or stolen. This can include furniture, electronics, clothing and other personal.  Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.
Home Security Fortification

An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

An engagement ring is a significant financial and sentimental investment. Specialised.

Travel Savvy

An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

An engagement ring is a significant financial and sentimental investment. Specialised.

Social Media Caution

An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

An engagement ring is a significant financial and sentimental investment. Specialised.

Regular Valuations

An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

An engagement ring is a significant financial and sentimental investment. Specialised.

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Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.

Luxury Watch Complications: Exploring Hidden Features & Functionality

Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.

Home Security Fortification

Contents insurance covers the items within your home in case they are damaged, lost or stolen. This can include furniture, electronics, clothing and other personal.  Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.

Purchase Amount

To get an accurate insurance quote, please provide the amount from your purchase receipt.

Don't have the receipt?

If you don't have the receipt, you can provide the most recent valuation amount instead.

OK

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