JewelCover insurance review

JewelCover offers tailored protection, designed specifically for jewellery, watches, and engagement rings.

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Nicola Middlemiss

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Jewelcover

Key takeaways

  • 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.

JewelCover offers similar benefits to other jewellery insurance brands, and its 25% additional cover benefit is the same as Jewelsure. However, some brands go beyond this 25% extra benefit, including Q Report and Centrestone, which both offer up to 50% additional cover. However, JewelCover does offer a stand-out benefit of no excess on claims.

Loss and Theft Cover Damage Cover Cover outside of Australia Additional Cover Agreed Value Cover
Ringo logo
Ringo Jewellery Insurance
0%
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Qreport logo
Q Report Jewellery Insurance
50%
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Jewelcover logo
JewelCover Jewellery Insurance
25%
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Centrestone logo
Centrestone Jewellery Insurance
50%
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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.

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Sources

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Journalist
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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. See full bio

Nicola's expertise
Nicola has written 170 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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