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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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Who Should Insure the Engagement Ring: the Bride or the Groom?

Q Report Team

Updated on March 18, 2025
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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.

 

New call-to-action

 

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. 

 

New call-to-action

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
avatar_light
Jewellery Insurance

Instant Quote
play-audio
Listen to article
/

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.

 

New call-to-action

 

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. 

 

New call-to-action

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

Export
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.

bulb
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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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