Accidental Damage

Most people consider their jewellery prized possessions because of their emotional value. If something were to happen to it, it could be a devastating experience. Just because jewellery and watches are durable doesn't mean they're indestructible, and accidental damage can occur daily.

What is Accidental Damage? 

Accidental damage refers to the unintentional harm caused to your jewellery. Some examples are:

• Scratches on the metal or gemstones
• Cracks or breaks in the stone
• Damage caused by exposure to high temperatures or water

Accidents can happen no matter how careful you are with your jewellery. However, with accidental damage cover, you can be at ease knowing your jewellery is protected.

Does Home and Contents Insurance Cover Accidental Damage? 

General home and contents insurance typically provides a limited level of protection for your jewellery. Some pay a higher premium to list specific jewellery pieces on their policy, adding to their cover.

Even with this method, however, most people find that their benefit doesn’t cover the entire cost of repairs. Your home and contents insurance provider will limit the amount you can claim for a piece of jewellery.

Where Did the Damage Occur? 

Standard home and contents insurance usually covers accidents at home, but if you’re like most people, you enjoy wearing your bling out and about. Some people lean on travel insurance to protect their bling while on holiday. But how often is your engagement ring or luxury watch away from home while you’re not travelling?

Specialised Jewellery Insurance for Accidental Damage 

Jewellery insurance covers all types of jewellery, including engagement rings, wedding bands, necklaces, bracelets, and watches. At JewelCover, you are protected in case of accidental damage, loss, or theft. You can wear your favourite pieces without worrying about accidental damage. Here are some additional benefits to protect your jewellery with JewelCover’s specialist jewellery insurance:

• Mysterious Disappearance Coverage: You will be covered from losing a stone to the entire piece itself.
  
  
• Worldwide Coverage: You’ll be covered from Asia to Europe and everywhere else in the world.
  
  
• Return to your original or preferred jeweller: You’ll always go back to your original or preferred jeweller in the case of a claim.
  
  
• Additional 25% cover: There is an additional buffer of up to 25% of the insured value available to pay towards your claim.
  
  
• Zero Excess: JewelCover will cover the cost of your excess should you make a claim - that’s on us!
  
  
  

Conclusion

Accidental damage can happen to your jewellery at any time, and most people consider their jewellery as prized possessions because of the emotional value attached to them. While standard home and contents insurance may provide some level of protection for your jewellery, specialised jewellery insurance is a better option for complete protection against accidental damage, loss, or theft.