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

 

Jewellery Insurance

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The ring is incredible. It’s dazzling, stylish, and utterly her. But who should insure the precious bauble?

Answer: Either! More precisely, it should be insured by the person who first has possession of it.

With an object so tiny and so expensive, you’ll want it protected from the moment you first walk it out of the jeweller’s shop.

 

So Much Responsibility

Carrying around an engagement ring is enough to make anyone feel nervous. You may feel you have the fate of your relationship in the palm of your hand. Where do you keep it until you propose? How can you walk nonchalantly through your date without sweating at the thought of losing it?

Many soon-to-be fiances find creative places for keeping engagement rings before they propose. Some are extremely safe, like safe deposit boxes. Others, like dresser drawers, may suffice in a pinch. Wherever you keep it, the best protection of all is a jewellery insurance policy that fits the ring, as well as the ring (hopefully) will fit her finger.

 

The Receiving End

Let’s look at the situation from the other side. Say you’re the recipient of the gorgeous sparkler. One of your first wedding planning questions should be, “Is the engagement ring insured?” If not, it’s certainly not too late to take action.

A lot can happen between the day you first slip the ring onto your finger, and the day you say, “I do.” And that’s just the beginning. Most women wear their engagement rings at work, at home, and even while they traipse around the globe. 

Fortunately, the process of securing insurance is simple.

 

Engagement Ring Insurance

 

How to Insure Your Engagement Ring

There are two easy ways to secure world-class engagement ring insurance through Q Report.

From Your Jeweller

The simplest and most secure method of insuring your ring is to purchase protection at the point of sale. When you buy your engagement ring from a Q Certified jeweller, you can enjoy complete peace of mind from the moment you walk out of the store.

For instance, let’s say you settle on this 18ct 0.67ct Art Deco-Inspired Diamond Ring from Jarrett Jewellery in Sydney. You know she’ll swoon over it, but how do you properly babysit it until the big moment of your proposal?

No worries. Jarrett Jewellery can set you up with a Q Classic policy for your ring, providing you with instant worldwide cover.

But what if you purchased your ring two weeks ago? Or what if you bought it overseas?

 

From Q Report

If you’ve already purchased your ring, we’ve got you covered. In fact, we can even cover an heirloom ring that’s been in your family for generations.

All you have to do is call us on 1300 882 018 or start with an online quote. We’ll collect the information necessary to provide an accurate quote, and then we’ll get started on your policy.

We usually need copies of the following documents:

  • Receipt of purchase
  • Photo of jewellery (top and side view)
  • Valuation
  • Diamond / Gemstone certificate (if applicable)
  • Proof of possession – take a photo of the item in front of a document with today’s date (e.g. a newspaper or receipt)

If you don’t have all of these items, it’s not a problem. Send us what you have, and we’ll get back to you if we need anything further.

 

Who Should Insure the Engagement Ring?

Brides and grooms take a leap of faith when they commit to a life together. Some tasks, like buying groceries and paying the bills, just need to get done, regardless of which partner takes care of them. Insuring your ring is no different. Fortunately, you can buy Q Report engagement ring insurance in less time than it takes to shop for your weekend groceries. 

Our friendly consultants are standing by to protect that gorgeous sparkler. So give us a buzz at 1300 882 018, and then settle into your new life with peace of mind and great hopes for the future. 

 

Engagement Ring Insurance

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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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