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Q Insights

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

 

Jewellery Insurance

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The Complete Guide to Jewellery Insurance

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Jewellery is not a necessity, but there’s no doubt it holds an emotional allure. You might be looking to treat a significant other with a new ring, or yourself to a fancy watch or bracelet. Whatever the reason, once it is a part of your life, it’s likely to become a sentimental item nonetheless. So, if something were ever to happen to it—say it gets lost, stolen or damaged—having some form of insurance goes a long way to making things right again.

However, many people that own valuable pieces do not have stand alone jewellery insurance, which could end up being a huge problem. This guide aims to solve this problem by showing you the importance of this kind of coverage.

Wait, does my other insurance not cover my jewellery already?

It’s not uncommon to assume that your home insurance policy might cover your jewellery in the event of loss, theft or damage. However, many policies will actually only offer limited protection and coverage when it comes to jewellery. This can leave you with no real way to recover your lost valuables, which should never be the case for valuables that you cherish. Also, if you do decide to use your home insurance, expect to pay a large excess and higher rates the following year as a result. Another cause for concern is who your insurer will be using to replace any lost jewellery. Instead of using a preferred jeweller, they’re likely to have their own on hand—one that might not quite meet your specific tastes, or prone to under-evaluating pieces.

Well, what are the benefits?

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With standalone jewellery insurance, your valuables are comprehensively covered. Insurers such as Q Report focus on specialist options that are tailored to offer customers unparalleled peace of mind when it comes to their valuables. Some of the main benefits when compared to other insurance policies include:

  • Full coverage, both inside and outside the home
  • Worldwide coverage
  • Free revaluation of your jewellery every year
  • Use of your original jeweller
  • Fixed $100 excess
  • Agreed value cover of up to 125%

Simply put, companies that focus on jewellery insurance know all about the rollercoaster of emotions that someone goes through when they lose a treasurable item. Often, these policies are tailor-made to help make things better when something goes wrong, offering you a support system that doesn’t leave you empty handed.

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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.


Not sure where to start?

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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