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

Jewellery Insurance Instant Quote

You’ll have a quote in less than 60 seconds

Jewellery Insurance Instant Quote

You’ll have a quote in less than 60 seconds

Q Insights

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

 

Jewellery Insurance

Additional 50% Insurance Cover Explained

When you shop around for specialised jeweller insurance, you might come acr...

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

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

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 Old Classics

Wearing a luxury watch demonstrates respect for the past and a nod to the t...

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...

Jewellery Trends

Timeline of Diamond Cutting

Visit your favourite jeweller, and you can feast your eyes on stunning spar...

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...

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

When a loved one dies and leaves heirloom jewellery to you, its sentimental value can far surpass any monetary amount. Perhaps you’ve been entrusted with caring for family heirlooms, which will later be passed down to the next generation. Maybe you’re expected to divide them up among other family members. Heirloom jewellery may even be collected to be sold at a later date for paying for, say, a deposit on a home.

 

Whatever your situation, it’s imperative that you safeguard heirloom jewellery against theft, loss and damage. Some people are surprised to find that their family’s jewels are worth more or less than they anticipated. Heirloom jewellery may be highly coveted by collectors. Alternatively, it may fetch a lower price because it’s out of style or demonstrates poor workmanship.

 

You won’t know how much a piece of jewellery is worth until you have it appraised. Armed with an accurate valuation, you can answer these questions:

 
  • If this jewellery disappeared, would I be devastated because of its sentimental value?
  • If it were damaged, would I feel crushed because I couldn’t afford to repair or replace it?
  • Would the loss of this jewellery cause me to be reluctant to wear or buy good jewellery in the future?
 

If you answered yes to any of these questions, you should look into insuring your heirloom jewellery. Let’s further explore the reasons why.

 

Clasps Break

Did you know that Lady Gaga wore a vintage 128-carat diamond necklace to the Oscars that is valued at $30 million USD? Charles Lewis Tiffany himself purchased the canary-yellow centre diamond in 1878. The last time the necklace left the Tiffany vault was in 1962, when Audrey Hepburn wore the piece for a promotional Breakfast at Tiffany’s shoot. 

 

The highly-insured jewellery is safe and sound, back in the Tiffany vault. But what about your most-prized jewellery? What if the clasp broke on your heirloom necklace, and it was lost or damaged? You’d be surprised how many people lose treasured jewellery simply because an old clasp doesn’t stand up to the rigors of wear.

 

Pieces Get Lost (Often) and Stolen (Not as Often)

More often than not, jewellery is misplaced or lost. It’s tragic to lose a piece of heirloom jewellery simply because it was lost and uninsured. 

 

It’s true that thieves may target heirloom jewellery. You can reduce your chances of theft by keeping it locked up when you’re not wearing it, especially when staying at hotels. Hotel room safes may not be the best option because too many people have keys to them. The establishment’s central safe may be a better idea.

 

If your jewellery is stolen despite your best precautions, your family jeweller can recreate it using the payout from your jewellery insurance claim. Because Q Report jewellery insurance covers up to 125% of the value of the item, your jeweller will be able to use the most appropriate metals and gemstones, even if they’re hard to come by.

 

Contents Policies Don’t Cut It

“But I already have jewellery insurance included with my contents policy.” All too often, we’ve heard from people who realise too late that their home and contents insurance covers just a portion of their jewellery--not enough to repair or replace it.

 

When you read the fine print, you learn that most contents policies only cover your heirloom jewellery while it’s inside the walls of your home. If you wear it out for a night on the town, you do so at your own risk. If something happens to your heirloom jewellery, you may not receive enough of a benefit to replace or restore it to its original condition. 

 

For full coverage tailored to your jewellery, protect it with Q Report insurance. Every year, we provide a complimentary valuation, so you’ll always know your piece is fully covered according to its current value.


Get a free estimate to find out how affordable it is to protect your family heirlooms. Your peace of mind will allow you to enjoy your sentimental treasures, knowing you can securely pass them down to the next generation when the time comes.

 

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

Timeline of Diamond Cutting

Visit your favourite jeweller, and you can feast your eyes on stunning spar...

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