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Coverage for Your Most Meaningful Moments.
Engagement Ring Insurance from as little as $27.50 per year
Whether it’s an engagement ring, diamond ring, luxury watch or family heirloom, your special items deserve special protection. Get peace of mind with JewelCover's specialist engagement ring insurance.
What Does JewelCover Engagement Ring Insurance Include?
* Please note that the JewelCover policy has certain exclusions. For a comprehensive understanding of coverage and exclusions, please refer to the PDS and Policy Wording for terms, conditions and exclusions of the policy as well as the Target Market Determination. Some of the primary exclusions include loss to jewellery caused by: 1. An intentional act by someone covered under the policy such as stealing, theft, or other misappropriation, 2. Certain events including acts of war, nuclear and chemical hazards,
3. Wear and tear, gradual deterioration, rust, and corrosion.
Loss Cover
You’re covered if your engagement ring is accidentally lost.
Theft Coverage
You’re covered if your engagement ring is stolen.
Damage Coverage
You’re covered if your engagement ring is accidentally damaged.
Mysterious Disappearance Coverage
You’re covered if your engagement ring mysteriously disappears.
Natural Disaster Coverage
You’re covered if your engagement ring is lost or damaged as a result of a natural disaster.
Worldwide Coverage
We provide comprehensive protection for your engagement ring while you travel anywhere in the world.
Return to Your Original or Preferred Jeweller
You can have your engagement ring repaired or replaced by someone you trust.
Annual Revaluation
Your insured engagement ring will be professionally revalued every year at no charge, giving you the confidence that you’ll always be insured at the correct value.
Replacement Policy
Coverage for like-for-like replacement or repair, putting you back where you were prior to the loss.
Additional 25% Cover
We'll cover an extra 25% on top of the agreed value.
Zero Excess
No ifs, no buts – we pride ourselves on providing absolute transparency.
No Impact Claims
If you make a claim, your premium doesn’t go up.
Dedicated In-House Claims Consultant
We won't handball you to another department or company if you need to claim.
Satisfaction Guarantee
If you change your mind and want to cancel within the first 14 days, you'll get a full refund of your premium.
5 Star Service
Don’t take our word for it, trust our 100+ 5 Star Google Reviews.
Don’t Take Our Word For It
For Kara, insuring her engagement ring isn't only about it's monetary worth, but about safeguarding priceless memories. That's why she chooses JewelCover. We take pride in protecting the most precious things in your life.
But don't take our word for it, watch the video and let her tell you in her own words why she trusts JewelCover to protect what's irreplaceable.
In terms of its sentimental value, my engagement ring is invaluable. So, for me - having insurance on my ring is non-negotiable.
Engagement Ring Insurance Benefits
Worldwide cover
When it comes to jewellery insurance, it’s easy to think your policy covers you anywhere you travel in the world. Some policies may give you limited coverage for a certain period of time while travelling. If you are insured with us, you can enjoy worldwide coverage with the confidence to wear and enjoy your engagement ring no matter how long you travel for, subject to policy exclusions and conditions.
Coverage inside and outside the home
Your engagement ring is meant to be worn and enjoyed. Is it enough that you are only covered while you are inside your home? We don’t think so. Our jewellery insurance policy covers you inside and outside your house.
Return to your jeweller
We believe that our customers should always have the option to return to their preferred or original jeweller in the event of a claim.
You picked your jeweller for a reason. It may be a family jeweller who has made jewellery for your family for many generations. It may be a jeweller you selected because of their impeccable reputation or brand. Whatever the reason is, JewelCover ensures that in the case of a claim, our customers can always return to their original or preferred jeweller, rather than an unknown jeweller who happens to have a relationship with the insurer.
Replacement Policy
A Replacement Policy means that you are covered for a like-for-like replacement or repair, putting you back where you were prior to the loss or damage.
Complimentary revaluation of your engagement ring
Some home insurance policies may explicitly state that it is your responsibility to ensure that the insured value is correct.
As the value of jewellery can fluctuate over time due to changes in the cost of gem stones, metals, labour and currency rate changes, we appreciate the need for your jewellery to be regularly revalued to ensure that in the event of a claim, you will be adequately covered.
With a JewelCover policy, you can rest assured that your engagement ring is revalued every 12 months by our expert jewellery consultants. Did we mention that this was complimentary?
Confidence and trust
Confidence and trust are important ingredients when purchasing jewellery, especially engagement rings. They are also critical ingredients in the event of a jewellery insurance claim.
Working with a member of the JAA gives you peace of mind that JewelCover is acknowledged by an internationally recognised body. Incredible service is something we hang our hat on, but don’t take our word for it - check out our Google reviews.
How to Get Covered With JewelCover
How to Get Covered With JewelCover
Complete form, no credit card needed
All we need is some basic information about you and the items you want to insure.
Upload your documents
Our straightforward process ensures your information is safe and handled with care.
Get your quote via SMS and email
Our process ensures you get the information you need to make an informed decision about your coverage options.
You're covered!
Enjoy the peace of mind that comes with knowing your jewellery is covered.
engagement ring insurance instant Quote
Get an estimate in seconds
If you’re more of a talker we’d love to chat, call us on 02 9234 0555
Purchase Amount
To get an accurate insurance quote:
please provide the amount from your purchase receipt.
If you don't have the receipt, you can provide the most recent valuation amount instead.
Watch Insurance FAQs
What does watch insurance cover?
