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Jewellery Insurance

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What Type Of Insurance Do You Really Need?

Q Report Team
Updated on December 13, 2022
3 min read

Having insurance for your home and its contents means that in the event of a tragedy, such as a fire or theft, you won’t be left out of pocket. However, choosing the right insurance policy can be difficult. There are a number of policies on offer from different companies, and they all come with their own fine print.


The insurance that you choose is dependent on a few factors. One of the main aspects to consider is whether you have any kind of valuable collection in your house. Whether it’s limited edition records, stamps or jewellery, these items are all significant to the people collecting them.


What is Contents Insurance?


Contents Insurance covers the items in your home such as furniture, electronics, clothing, sporting equipment and to a very limited extent, some jewellery. This type of insurance covers the cost of replacement if you suffered damage or loss from a robbery.


What are the different types of Contents Insurance?


There are many different types of Contents Insurance, and you need to find what works for you. The two main types of Contents Insurance are:


  • Content policies that cover the value of your belongings at pretty much a set value at which you took out the policy; or
  • New for old policies that replace stolen, broken and damaged goods with new versions.


There are two main options when it comes to coverage:


  • Defined events insurance covers your belongings in the case of certain situations like fire, flooding, explosions, earthquakes and theft
  • Accident coverage covers accidental damage such as your TV falling off a table or dropping your phone in water.


It’s important to keep in mind that many Contents Insurance policies offer limited cover (or none at all) for possessions that you lose or damage outside of your home. This means that items that you use outside of your property, like laptops or valuable jewellery, won’t be covered if something were to happen to them when you’re not at home. If your Contents Insurance provider doesn’t cover these situations, then it’s worthwhile looking into insurance policies that do.


Q Report Jewellery Insurance


We understand that no two jewellers are the same and you’d want to replace your jewellery with something that is as close to the original as possible. This is why our comprehensive jewellery insurance doesn’t just cover the value of your precious jewellery, but it also gives you the option to return to the original jeweller to replace your lost or damaged item. Our “Contents Insurance” offer for jewellery goes above and beyond other offerings so that you can wear your beautiful pieces wherever you go.


We have three different offerings, each of which can be tailored to suit your individual needs:


  • Q Pocket: Q Pocket covers items between $1000 and $5000. It comes with instant worldwide cover, the option to return to your jeweller and free annual revaluation of your jewellery.
  • Q Classic: Q Classic covers jewellery from $5001 upwards. It comes with the same benefits as above. If you purchase more jewellery, it is simple to upgrade from the Q Pocket to the Q Classic.
  • Watch Insurance: This is our specialised watch insurance. We know a watch is more than a decorative item; it’s a statement and an extension of your own personal brand. Our watch insurance is tailored to individual plans and has all the benefits of our jewellery insurance policies.


Having Contents Insurance for your belongings is necessary for peace of mind. However, make sure to check the fine print on your policy. If you find your policy is missing what’s important to you, like comprehensive jewellery cover, you can ensure that your jewellery is protected by taking out specialist jewellery insurance with Q Report. Learn more about Q Report Jewellery Insurance here.


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