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Jewellery Insurance

Did you know your household insurance policy will not cover jewellery items over a certain value? You must itemise your most precious pieces within your insurance policy to be sure they are covered for their full value. We are certified Jewellery Appraisers and are qualified to provide insurance quotes for after loss or damage to your jewellery. We are recognised by all major insurance companies and offer this service for no charge.




After Loss Insurance Claims

What most people don’t realise until it is too late is that under your general household contents insurance your jewellery might not be covered. Most insurance policies will have a threshold, only items under this set amount are covered under this policy, any items above the threshold amount MUST be itemised in your policy for your insurance company to pay you out the full value of this item. In order to prove your jewellery is of a certain worth you must have an up to date jewellery valuation provided to you by a qualified diamond grader and jewellery valuer.

We will correspond with your insurance company and can supply after loss or damage quotes to your jewellery. The more information you can supply us the better. Jewellery valuations are very helpful, as are photographs either of the jewellery specifically or of you wearing it.

Don’t be alarmed if you have none of this. We can show you examples based on your description and still supply an insurance replacement quotation.

As we are manufacturing jewellers we can then undertake the work required to get you back where you were before the loss.

This is a no charge service we provide.





We recommend the following if making an insurance claim for a lost or stolen item:

  • Notify your insurance company of your loss and that you will be making a claim. If our quote is less than you expect and decide to pay for the repair rather than going through with the claim can still be done despite initialising the claim.
  • Please provide for us the name of your Insurance Company, your claim number, your policy number, Insurance Assessors name if one is given, email address of insurance company where we will send our quote to. If you can provide valuations of the items if lost or stolen; receipts or photographs are also helpful.
  • Please prepare a list with as much information as possible before you come in or email if there are multiple items.
  • We will discuss with you in detail to get as accurate a description of each item as possible.
  • We will provide quotes for your insurance company based on all information provided and send to your insurance company.
  • Once we get the go ahead from your insurance company we will notify you and confirm what you would like replaced, and if required more detail in the design, if we are re-creating something as close to original.




If making an insurance claim for a damaged item or missing gemstone:

  • Notify your insurance company of your damaged jewellery and that you will be making a claim. If our quote is less than you expect and decide to pay for the repair yourself rather than going through with the claim can still be done despite initialising the claim.
  • Please provide for us the name of your Insurance Company, your claim number, your policy number, Insurance Assessors name if one is given, email address of insurance company where we will send our quote to.
  • If you can provide valuations of the items if lost or stolen; receipts or photographs are also helpful, particularly if we need to supply a certain size and grade of gemstone.
  • We will discuss with you in detail to get as accurate a description of how the item originally looked if we need to.
  • We will provide a quote for your insurance company based on all information provided and send to your insurance company.
  • Once we get the go ahead from your insurance company we will notify you and confirm that you would like repair done as close to original. Some customers take advantage of the situation and upgrade their stone to a larger one by paying the cash difference.


Pricelist

Full written valuation for insurance purposes. 1st & 2nd items $120 each
Full written valuation for insurance purposes package. 3rd, 4th & 5th items $96 each
Each item without gems - full written valuation for insurance purposes. 1st & 2nd items $65 each
Full written valuation for insurance purposes. 3rd, 4th & 5th items $52 each


Frequently Asked Questions

Q. WHAT HAPPENS IF I LOSE A JEWELLERY ITEM ABOVE MY CONTENTS THRESHOLD THAT WAS NOT ITEMISED?
A. Your insurance company unfortunately has no obligation to pay you out the full value of the item. Be sure to still place the claim as your insurance company IS obliged to pay you up the max amount insured. Eg. If your insurance contents threshold is $1500 and you lose a ring worth $3000 your insurance company will still pay you out $1500 but nothing more – you will be required to pay the difference of your replacement item. To avoid this, make sure you value and specify your items on your insurance policy before it is too late! This is one of the most important measures you can take in maintaining your jewellery.

 

Q. I’VE LOST SOME OF MY JEWELLERY AND NEED TO MAKE A CLAIM, WHERE DO I START?
A. The first thing your insurance company will ask for from you is an estimate after loss or proof of purchase from the jeweller you purchased the item from. Even if you have proof of purchase we always recommend getting an estimate after loss done as jewellery prices fluctuate and the chances are the replacement cost now is more than the original purchase cost. You can submit a request for an estimate after loss online here or head in store for a consultation with one of our lovely ladies who are always happy to assist.

 

Q. MY DIAMOND HAS FALLEN OUT OF MY RING, WILL MY INSURANCE COMPANY REPLACE IT?
A. This one is a little bit trickier. Generally if a diamond has fallen out of a ring, it means the ring itself will require repair work to the claws and any other damaged parts. Your insurance company should always cover the cost of the diamond alone, but may not cover the cost of the repair.

 

Q. WHEN WILL THEY COVER THE COST OF REPAIR?
A. They will cover the cost if it was an accidental & unforeseen loss.They will not cover the cost to repair damage caused by wear & tear. Again bring your item in store  to identify which category your repair falls under.

 

HOW MUCH IS A VALUATION?
See the pricelist above for the different options and prices for our range of valuation services. Pick one most suited to you and bring your items in store to be valued! This will take up to 10 working days to complete

 



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