Contents insurance for jewellery

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A guide to jewellery insurance

Updated March 8, 2024
Written by Kenneth Young
Reviewed by Adrian Taylor

Tips on jewellery cover with contents insurance

Adrian Taylor
Executive General Manager – General Insurance

Check that your policy covers jewellery

If you have some valuable or sentimental pieces, first check the PDS to see if the item is covered and if the limit applied to the items is sufficient for your needs. If it isn’t, you should consider listing these items separately on your contents policy so you can insure them for a higher value against accidental loss and other insured events. This way, you know what you’re covered for, and you can set a higher coverage limit for specific items that are worth more than others.

Make copies of important paperwork

Keep your receipts and certificates of valuation from your preferred jeweller or a professional valuer somewhere safe. It may be a good idea to take photos and store them digitally on an external hard drive or in cloud-based storage. This can make it easier to prove ownership and get the missing or damaged jewellery valued in the event of a claim.

Keep your jewellery in a safe place

If you have portable contents cover and wear jewellery when you go out, it’s important to keep it safe and secure if you take the jewellery off by keeping the pieces out of sight and locked away.

The basics of jewellery cover

Can I cover my jewellery with contents insurance?

Why take out contents insurance for my jewellery?

What if my jewellery is worth more than the claimable limit?

Cover for jewellery you wear while out and about

Portable contents cover

Will my jewellery be covered when I go overseas?

Learn more about insurance for jewellery

Is jewellery cover worth it?

What if my jewellery is one of a kind?

Are there exclusions to what is covered?

How do I make an insurance claim for jewellery?

Meet our home and contents insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance at Compare the Market, Adrian Taylor works to make it easier for homeowners, renters and landlords to protect their home and contents. He believes it’s important for all residents (whether they rent, own or lease) to have adequate financial cover for their property and belongings in case the worse should happen.