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Jewellery Insurance

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Travel insurance fails the jewellery test. Why?

Q Report Team
Updated on November 11, 2022
3 min read


So you’re planning your next big trip - maybe it’s a honeymoon, an anniversary or just a chance to get away for a few weeks.

You’ve found the perfect hotel for each stop you’re making, and even planned out your itinerary for sights to see during travel days. You’re counting down the days until it’s time to leave when it dawns on you: what if your luggage doesn’t arrive on the other side? What if something important, like a mobile phone or an engagement ring goes missing?

Insurance isn’t something anybody gets excited about spending money on when planning a trip, and it’s tempting to go for a not-too-expensive, cover-all sounding travel insurance policy. But, if you’re someone with a taste for valuable jewellery, you might not be as well-covered as you thought. This blog will highlight why travel insurance isn’t the best option for covering your jewellery.

Travel insurance is a great option for general luggage, not specialised items like jewellery

Travel insurance is a necessary part of any trip, but it’s not meant to cover valuable or specialised items like jewellery, replacements for which are often out of the budget of standard travel insurance policies.

Some common items that aren’t covered by travel insurance include:

Unattended possessions: Your claim can be rejected if it’s for items that were lost or stolen as a result of being improperly looked after.

Unreported items: Many policies stipulate that you have to report theft or loss to the authorities (and your insurance provider) within 24 hours of the incident.

Items without proof of purchase: Without the original receipt to prove that you purchased the insured item, your provider might reject your claim. Remember, digital, photocopied or scanned documents may not be accepted.

Belongings left unattended in a vehicle: Items like mobile devices, laptops, or jewellery may not be covered if they’ve been left unattended in a vehicle.

It’s also important to note that your claim might not be paid out if you were under the influence of drugs or alcohol at the time of the incident.

Travel insurance is essential if you’re planning a trip, but don’t be too sure that it covers all your needs.

Leave your luggage to the travel experts, let us handle your jewellery.

If you were insuring your car, you wouldn’t assume that it’s covered under travel insurance, or assume that your car insurance also covered your house. Insuring jewellery under travel insurance is much the same. While travel insurance is necessary for any trip, that doesn’t mean it’s adequate for valuable items like jewellery. It covers general luggage, and doesn’t provide specialist cover for jewellery.

Using Q Report’s dedicated jewellery insurance, on the other hand, has several benefits:

Coverage for up to 125% of your Insured Value

We know that the replacement cost of your jewellery may fluctuate with changes in precious metal and stone prices, as well as currency rates. So we want to ensure that you will be adequately covered in the event of a claim. That’s why we offer coverage of up to 125% of the Insured Value to our customers.

Return to your preferred jeweller for your replacement or repair

If you’re replacing a phone or a handbag, it might not be the end of the world if your replacement isn’t identical to the item you’ve lost. But when it comes to jewellery, being able to return to your original or preferred jeweller is critical, and we understand that.

Comprehensive cover no matter where in the world you are

Your insurance policy shouldn’t get in the way of being able to take your jewellery with you wherever you go. We provide 12 months worldwide cover on all our insurance policies.

Complimentary annual revaluation

To make sure we’re covering your jewellery properly as it ages and changes in value, we revalue your jewellery every 12 months, completely free of charge.

$100 Fixed Excess
We do everything we can to make sure your insurance doesn’t cost an arm and a leg. To that end, we’ll always charge a fixed excess of $100.

If you’re looking for comprehensive cover for your jewellery, get a free, instant quote on our website.

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