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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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Understanding Jewellery Insurance: Your Policy Simplified

Q Report Team

Updated on March 20, 2025
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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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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
/

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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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

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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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