<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1204737666323810&amp;ev=PageView&amp;noscript=1">
Start a Quote

Jewellery Insurance Instant Quote

You’ll have a quote in less than 60 seconds

Jewellery Insurance Instant Quote

You’ll have a quote in less than 60 seconds

Q Insights

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

 

Jewellery Insurance

How Much Does it Cost to Insure an Engagement Ring?

Replacing an engagement ring that’s been lost, stolen or damaged can be exp...

Overseas Pickpocketing Scams to Avoid

If you’re planning to travel overseas, chances are you're envisioning a rel...

Insurance Information

Watch Insurance vs Warranty: Are You Covered?

You’ve finally strapped a Rolex Submariner Ref. 5513 on your wrist, just li...

Side-by-Side Insurance Policy Comparison

If you could be doing anything today, what would it be? Shopping for insura...

How Much Does Engagement Ring Insurance Cost?

Wedding costs add up fast! And worse, the list seems to grow as you approac...

Jewellery Trends

Sydney’s Top 20 Proposal Locations

Your marriage proposal is a once-in-a-lifetime experience! It should be the...

The Straightforward Guide to Asymmetrical Engagement Rings

When you're picking out an engagement ring for your fiance, you want it to ...

How To Become a Jewellery Designer in Australia

Are you a creative person that loves the craft of jewellery design? If so, ...

Subscribe

Keep up to date with the latest jewellery trends, insights and inspiration from Q Report.

Engagement Rings

The Straightforward Guide to Asymmetrical Engagement Rings

When you're picking out an engagement ring for your fiance, you want it to ...

Buying Diamonds Online vs. Retail: Pros and Cons

If you’re looking to buy diamonds, you have a big decision to make, and it ...

Perth's Top Ten Proposal Locations

Planning a Perth proposal? Congrats! From luscious beaches to charming neig...

Diamonds

Pink Diamonds 101: What You Need to Know

Most people that are into jewellery and do some research before buying diam...

How Are Diamonds Cut?

When miners extract diamonds from the earth, the rough stones look nothing ...

General

Proposing at Home: Do’s and Don’ts

According to a 2019 survey of 20,000 newly-engaged couples, 21 percent of p...

Journey of a Diamond: Mines to Markets

Nestled deep in the Earth, diamonds rest for millions of years before makin...

Should I Use a Proposal Planner?

It sounds so simple. You simply drop to your knee, proclaim your love, and ...

Helpful Resources

Featured Resource

The Complete Guide to Jewellery Insurance

Access the Guide
Featured Resource

The Ultimate Guide to Luxury Watches

Access the Guide
Featured Resource

Ring Size Guide & Sizer

Download Guide

For many, home insurance is used as a catch-all type of coverage for protecting cherished valuables, should anything happen to them.

Although this level of protection covers a wide range of your possessions, some valuables like your jewellery might be a very different story. In fact, even if your policy does cover your hugely sentimental wedding ring, it will most likely fall very short of covering the face value of the actual pieces.

Why won’t my home insurance cover my jewellery?

Many of these policies operate in such a way that they will cover your possessions for up to half of your total coverage. That means your $100,000 policy will usually only cover $50,000 worth of furniture and other home possessions. When it comes to some of the more valuable items in your home, such as jewellery, most insurers impose strict limits on what can and cannot be claimed.

These limits can come in the form of a monetary cap on what you can recover when you claim for lost jewellery—be it $100, $500 or $1000. This will almost always leave you with a rather large amount to pay on your own, which is the last thing you need to deal with after losing your possessions. Accidental loss is usually not even covered, so don’t even bother trying to claim a lost wedding ring or favourite watch. Even worse, if you do decide to claim, then you can expect your premiums to skyrocket next year; even though you’re still out of pocket.

What should I do to instead?

It’s pretty clear that relying on home insurance to protect your jewellery is really not a safe option. One of the best ways to protect your jewellery is to get separate coverage in the form of specialised jewellery insurance. By focusing these policies primarily on jewellery, insurers such as Q Report fix all of the problems associated with using home insurance.

Also, unlike home insurance, Q Report will annually revalue your jewellery free of charge. This helps guarantee that your coverage will be sufficient to fully protect you. If you do have to claim on your jewellery insurance, you’ll be given the peace of mind in knowing that your premium will not change the following year. Better yet, Q Report in particular offers up to 150 per cent coverage.

QReport_Web-v2.png

Instant Quote Now

Jewellery Insurance Instant Quote

Get an instant quote below. Questions, call us anytime on 1300 882 018

Global-Calculator-Background

Jewellery Insurance Instant Quote

PLEASE CONFIRM YOUR DETAILS AND SELECT THE BEST TIME FOR US TO CALL YOU

BACK TO YOUR QUOTE

SEE WHAT OUR CUSTOMERS SAY ABOUT US

Related Articles

Sydney’s Top 20 Proposal Locations

Your marriage proposal is a once-in-a-lifetime experience! It should be the...

Insuring Your Rolex: Everything You Need...

There’s a reason you bought your Rolex.

Pink Diamonds 101: What You Need to Know

Most people that are into jewellery and do some research before buying diam...

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.

Find your local jeweller
How much would insurance cost?
Get an instant quote