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Jewellery Insurance

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So they’ve expressed a desire for a vintage engagement ring. There are several things you can do to help make this a reality––aside from raiding your grandmother’s jewellery box. Let’s take a look!

 

Why Buy a Vintage Engagement Ring?

Aside from being romantic, enveloped in a past love story of its own. There are several other love-filled reasons for choosing a vintage engagement ring.

Unique Design

Vintage engagement rings often have intricate and unique designs not commonly found in modern engagement rings. They are usually handmade and feature elaborate details giving them a distinct character and charm.

Quality Craftsmanship

Vintage engagement rings were often crafted by skilled artisans who took great pride in their work. They were made to last and usually created using high-quality materials, such as platinum or gold and gemstones.

Sustainability

Buying a vintage engagement ring is a sustainable choice. Reusing and recycling a pre-owned ring reduces the demand for new mining and production of metals and gemstones, helping to reduce the environmental impact.

History and sentimentality

Vintage engagement rings have a unique history and story that adds sentimental value. They may have been passed down through generations or once belonged to someone with a special connection to the ring. By owning a vintage engagement ring, you can infuse your proposal and relationship with a sense of sentimentality and history.

Investment Value 

Vintage engagement rings can also be a good investment, as they often appreciate value over time. However, it's essential to research a reputable seller to ensure your period piece is genuine vintage and not a beautiful replica.

 

Identify Your Ring Style Before Shopping 

Before shopping for an engagement ring, it's a good idea to identify a style that catches your heart. Believe us when we say that there is an abundance of gorgeous sparklers out there––and what might be exquisite for one may also be too elaborate for another. By narrowing down your selection to a particular style, the process is easier and more enjoyable. 

Here are some style tips to help you identify your unique ring style and find a ring you will love for years to come.

  • Look at Your Current Jewellery: Look at the jewellery you currently wear and see if you notice any patterns in style or design. This can give you a starting point for your search.

  • Consider Your Personal Style: Think about your unique style and what type of ring would complement your wardrobe and overall aesthetic. Are you drawn to classic, timeless designs or something more modern and unique?

  • Consider Your Partner's Style: If you're shopping for an engagement ring for your partner, consider their style and what type of ring would suit them best. Think about the type of jewellery they currently wear and what they might like.

  • Look at Inspiration: Browse online or in magazines for inspiration and see what styles catch your eye. You can save images of rings you like and refer back to them when you start shopping.

  • Consider Your Lifestyle: Consider your lifestyle and what type of ring would suit you. For example, if you have an active lifestyle, you may want a low-profile ring that won't get in the way.

 

Only Purchase Your Ring From Trustworthy Places 

If you're looking for an authentic vintage engagement ring, you’ll want to ensure you purchase your period piece from a reputable place. Some engagement rings, although beautiful, may only be “vintage” in appearance.  

Ready to get shopping? Here are some expert tips:

  • Research the Retailer: Before purchasing, research the retailer. Look for reviews and ratings from previous customers. It also pays to check if they have professional affiliations or accreditations.

  • Choose a Reputable Jeweller: Established jewellers have a reputation to uphold and are more likely to offer quality products and services.

  • Ask for Recommendations: Personal referrals from friends and family who have recently gotten engaged can be a great way to find a trustworthy jeweller.

  • Check for Certifications: Make sure the diamond or gemstone in your ring comes with a certification from a reputable gemological institute, such as the Gemological Association of Australia. This will ensure that your gemstone has been appropriately graded and high-quality.

  • Be Wary of Deals That Are Too Good to Be True: If a deal seems too good to be true, it probably is. Be wary of retailers offering extremely low prices or discounts significantly higher than their competitors.

By purchasing your engagement ring from a trustworthy source, you can ensure that you are getting a high-quality product that meets your expectations.

 

Check the Diamond's Four Cs - Colour, Clarity, Carat And Cut

When shopping for an engagement ring, it's essential to check the diamond's four Cs: colour, clarity, carat weight and cut. These characteristics will affect the overall quality and value of the diamond. Here's what to look for:

  1. Colour: The colour of a diamond is graded on a scale from D (colourless) to Z (light yellow or brown). The less colour a diamond has, the higher its value.

  2. Clarity: A diamond's clarity refers to the presence of internal and external flaws. Flaws are graded on a scale from Flawless (no inclusions or blemishes visible under 10x magnification) to Included (inclusions or blemishes visible to the naked eye).

  3. Carat weight: A diamond's weight is measured in carats. One carat equals 0.2 grams. The higher the carat weight, the higher the value.

  4. Cut: A diamond's cut refers to its proportions, symmetry, and polish. A well-cut diamond will reflect more light and sparkle, making it more valuable.

When shopping for your vintage engagement ring, consider your priorities. Some people prioritise size over quality, while others prioritise quality over size. Remember that a high-quality diamond will significantly impact the ring's beauty more than a larger diamond that may be of lower quality. By understanding the four Cs, you can make an informed decision and find a diamond that meets your needs and budget.

 

Ask For The Paperwork

Remember to ask for the paperwork from the onset when purchasing a vintage engagement ring. Here's why:

Certifications

A diamond certification is an official grading report from the Gemological Association of Australia. The certification will provide information about the diamond's four Cs and other essential characteristics, such as its fluorescence and symmetry.

Appraisals

An appraisal estimates the ring's value for insurance purposes. It will consider the diamond's four Cs, the cost of the setting, and any other materials used. An appraisal will ensure adequate insurance coverage if the ring is lost, stolen, or damaged.

Warranties

A warranty guarantees that the ring will be free from defects in workmanship or materials. It may also cover repairs or replacements for a certain period. Having a warranty will give you peace of mind and protect your investment.

The abovementioned paperwork helps ensure you are getting what you paid for. Keep the paperwork safe, as you may need it for insurance claims or reselling the ring.

 

Consider if the Ring Needs Resizing 

Choosing the right size when purchasing an engagement ring isn’t always easy, especially when there is an element of surprise. Here are some things to remember when shopping for your vintage engagement ring:

Proper Fit

The ring must fit properly. Too loose and it may slip off your finger; too tight and uncomfortable and it causes circulation problems. A properly fitting ring should be snug enough to stay in place but still able to slide over your knuckle.

Sizing Options

Some rings can be resized easily, while others may be more difficult or impossible. It's important to consider the ring's type of metal and design when deciding if it can be resized.

Timing

If you need to resize the ring, it's important to factor in the time it will take. It may take several days or weeks, depending on the jeweller's workload and the complexity of the resizing.

Cost

Resizing the ring may come with an additional cost. Make sure to ask the jeweller about the cost of resizing before making a purchase.

Considering these factors, you can ensure the ring fits properly and comfortably. If you need help with the sizing, consider having a professional jeweller measure your finger to determine the correct size. Resizing the ring before proposing to avoid mishaps or discomfort is always better.

 

How to Protect Your Vintage Engagement Ring

If you've decided to purchase a vintage engagement ring, it's important to protect it. You want to be able to add to its vintage with your own story.

Insurance

Make sure to invest in specialised engagement ring insurance––this will provide financial protection if the ring is lost, stolen, or damaged.

Proper Storage

When you're not wearing the ring, store it safely and securely. Consider purchasing a jewellery box with individual compartments or a soft pouch to protect your ring from scratches or other damage.

Cleaning

Regularly clean your vintage engagement ring to keep it looking its best. Use a soft-bristled brush, delicate jewellery cleaner, or mild soap and water to clean the ring. Avoid harsh chemicals or abrasive materials that may damage the metal or stones.

Maintenance

Take your vintage engagement ring to a professional jeweller for regular maintenance, such as tightening loose stones or replacing worn prongs––this will help prevent damage or loss of stones.

Wear Carefully 

Vintage rings may be more delicate than newer rings, so be mindful of how you wear them.

Avoid wearing the ring during activities that may cause damage, such as sports or heavy lifting.

Taking these steps ensures that your vintage engagement ring remains a cherished and beautiful symbol of your love for years.

Conclusion

Q Report is more than just comprehensive engagement ring insurance. Q Report has the expertise to revalue your jewellery annually at no charge accurately. With Q Report, you will always be insured for the correct value in the event of theft, loss or damage. And if we can’t put you back in the same position as you were before the loss, there is an additional buffer of 50% of the insured value available to pay towards your claim. Contact us today to get the value of your jewellery right.

 

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