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Jewellery Insurance Instant Quote

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Q Insights

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

 

Jewellery Insurance

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Insurance Information

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Luxury Watches

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

Engagement Rings

Engagement Ring Insurance: The Do’s and Dont’s

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Diamonds

Diamond Certificates Explained

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General

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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 125 per cent coverage.

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Related Articles

Accidental Damage: Are You Covered by Je...

Fine jewellery and watches are made out of earth’s hardest substances: diam...

10 Ways Australians Lost Their Jewellery...

If you’ve lost a piece of treasured jewellery, you know that sinking, pit-i...

Subscribe

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

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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