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Q Insights

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

 

Jewellery Insurance

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Jewellery insurance doesn’t have to be complicated or hard to understand. Here at Q Report, it’s straightforward. We protect your jewellery from theft, loss and damage. But you probably want to know a few more of the details, so let’s explore.

 

What is Jewellery Insurance?

We believe jewellery should be worn with confidence. Let your engagement ring shine on your finger, and wear your luxury watch on your next holiday. That’s why we’ve created Q Report jewellery insurance. It affords you the confidence needed to wear your jewellery with ease.

 

Simply put, jewellery insurance puts you back in the same position you were in before the unexpected happened. We know how much your jewellery and luxury watches mean to you. They’re not only monetarily valuable; they also represent achievements, relationships and memories.

 

Jewellery insurance provides coverage to replace or repair your pieces if they’re damaged, lost or stolen.

 

How is Jewellery Insurance Different from Home Contents Insurance?

Most Home Contents policies include provisions for jewellery. 

 

Unfortunately, most Home Contents policies only cover jewellery when it’s at home. Additionally, single item limits are generally smaller than the value of most engagement rings and luxury watches.

 

A standalone jewellery insurance policy such as Q Report, on the other hand, covers your pieces no matter where you travel, and the value limit matches the item’s agreed value. Therefore, when you report a claim, you’ll receive the means to restore your jewellery fully.

 

What Can I Expect from Q Report Jewellery Insurance?

 

Agreed Value Policy

Some insurers won’t pay the full value of your jewellery in the case of the claim. They’ll choose to replace it at the lowest price they can find it. At Q Report, we want you to feel completely confident with your cover and to know precisely what you can expect. That’s why we provide an agreed value policy. We pay the actual amount shown on your policy minus a flat $100 excess if your jewellery is lost, stolen or damaged.

 

Return to Your Chosen Jeweller

You chose your family jeweller for your own personal reasons. Perhaps you love your jeweller's style, selection or history. Or perhaps it’s a trusted family jeweller. Whatever the reasons, we think you should be able to return to your jeweller in times of loss.

 

Therefore, you will always be able to return to your chosen jeweller for repairs or replacement.

 

Free Annual Revaluation

The value of jewellery changes from year to year due to many factors: currency rate fluctuations, current gold and metal prices, the supply and demand for precious stones, labour costs and even the age of the piece. To make sure your jewellery is always adequately covered, we revalue your jewellery every year at no charge to you.

 

Having your jewellery insured at the right value gives you the peace of mind to wear it as freely as you like.

 

Worldwide Cover

What good is jewellery insurance that only covers your engagement rings and bracelets while you’re at home? With Q Report cover, you can wear your jewellery everywhere you go, from the office to your overseas holidays.

 

Instant Cover

If you purchase your jewellery or luxury watch from a Q Certified Jeweller, it can be fully insured from the moment you walk out the door! Alternatively, if you want to protect a piece you already own, you can complete our online quote process or contact us directly.

 

What is the Claims Process Like?

If the unexpected happens to your jewellery, you’ll need to start the claims process. To begin, contact us directly by calling us on 1300 882 018 or emailing us at claims @qreport.com.au.

 

Next, we’ll gather the necessary processing information. For instance, we’ll need a statutory declaration and a police report if the item was lost or stolen.

 

At this point, we take care of the rest, liaising with your jeweller and the underwriter. Of course, we’ll keep you updated every step of the way.

 

If you can get us the statutory declaration and police report right away, the claims process typically takes five business days or less. Sometimes it just takes a couple of days.

 

If you have more questions about our jewellery insurance policies or the claims process, feel free to contact us on 1300 882 018. You can also explore our FAQ page to learn more about our insurance. We look forward to protecting the things you love.

 

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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.


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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.

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