JewelCover stands out by waiving the excess when you make a claim.
The policy includes a 25% additional buffer for your sum insured for value increases.
Consider if a specialised jewellery policy offers better value than home contents insurance.
Pros
JewelCover will waive the excess for you when you make a claim.
A 25% extra buffer on your sum insured, in case your jewellery increases in value.
Cover for loss, theft, damage and disappearance - at home, out of the house, and overseas.
Cons
You may get better value insuring your item through your home contents insurance.
There’s no cover for general wear and tear, or damage done during restorations.
Jewellery insurance focusses on objective value, rather than sentimentality, so if you have a low-value piece which means a lot, you might not be satisfied with the payout.
How does JewelCover compare with other popular providers?
JewelCover offers similar benefits to other jewellery insurance brands, and its 25% additional cover benefit is the same as Jewelsure. However, there are a number of brands that go beyond this 25% extra benefit, including Q Report, Ringo and Centrestone, who all offer 50%. However, JewelCover does offer a stand-out benefit of no excess on claims.
How to make a claim with JewelCover
To make a claim with JewelCover, call 0292 340 555 or email claims@jewelcover.com.au. If your jewellery is lost or stolen, you'll need to provide a police report and a statutory declaration. JewelCover will then review your documents and work with your jeweller to repair or replace your item.
FAQs
JewelCover is underwritten by Chubb, one of the largest insurers in Australia, and has a good reputation overall.
Jewellery insurance generally covers loss, theft, or damage of your item, with some exclusions. It may be worth considering over regular contents insurance if you’re insuring something specialised or of high value.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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