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How are we different?
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How We Stack Up
See how Centrestone Jewellery Insurance is Australia’s premier jewellery insurance provider
| See How We Compare | Other Online Jewellery Insurance | Renters/Home & Contents Insurance | Jewellery Warranty | |
Jewellery specific insurance
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N/A | |||
Up to 150% cover
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Limited | Limited | ||
Returned to your preferred jeweller of choice
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N/A | N/A | ||
Like for like replacement
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N/A | N/A | ||
No excess
|
Limited | Limited | ||
Worldwide cover
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N/A | N/A | N/A | |
Cover for accidental damage, loss and theft
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Limited | Limited | ||
Mysterious disappearance coverage
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Limited | Limited | ||
Natural disaster coverage
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Limited | Limited | ||
Theft coverage
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? | ? | Limited | |
Loss coverage
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? | ? | Limited | |
Damage coverage
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Limited | Limited | ||
Dedicated in-house claims consultant
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N/A | N/A | ||
Agreed value policy
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N/A | Limited | Limited | |
Satisfaction guarantee
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Limited | Limited |
Like-for-like Replacement
We offer a like-for-like replacement for your insured jewellery, in the face of loss, the last thing you need is financial uncertainty.
Worldwide Cover
We offer maximum protection for your precious jewellery.
Standard Home and Contents treat all items the same – meaning they handle the replacement of your engagement ring in the same way as your toaster.
You Choose Your Preferred Jeweller
We deal directly with your preferred jeweller so that you can get a like-for-like replacement that is exactly the same quality as the item you lost. Other insurers try replace your jewellery for the lowest possible cost. This often means replacing your item with their chosen jeweller.
Bonus 50% Cover
If the cost to replace your jewellery increases within the policy period (due to changes in the AUD or the price of precious stones and metals), we cover an extra 50%, so you’re not out of pocket.
Contents insurers often have payout limits, meaning you’re not fully covered.
No Excess
We know that losing or damaging a sentimental piece of jewellery is painful enough. There is no excess fee, so we don’t add to your pain.
Home and contents policies can have expensive excesses, making the process even more painful
Complimentary Annual Revaluation
Ensuring over time, your insured value matches the replacement cost of your jewellery.
Jewellery Insurance FAQ
A jewellery Insurance policy covers you for the loss, theft, or damage of your jewellery items. It is designed to protect your investment in valuable jewellery, such as engagement rings, wedding bands, and other precious heirlooms.
Jewellery insurance is not required, but it can be a good idea for individuals who own expensive or sentimental pieces of jewellery. If you have jewellery that is worth a significant amount of money, or that holds sentimental value, jewellery insurance can provide peace of mind and financial protection in the event of loss or damage.
Applying with Centrestone is very quick and easy to do!
You can apply for a policy or receive an instant quote on our website by clicking here.
You can make an application through our website. You will be required to upload some photos and documents which you can do immediately through our website, or we will also send you an email with a link to upload the documents when you are ready. Once you have provided the required documentation our friendly team will contact you as soon as possible to process your policy.
Jewellery insurance policies may cover a variety of risks, including loss, theft, damage, and disappearance. Some policies may also cover the cost of repair or replacement, as well as the value of the jewellery at the time of the loss. The Centrestone Jewellery Insurance policy covers for accidental loss, damage and theft and in the event of a claim the policy provides a like for like replacement of the insured item.
Jewellery insurance policies may not cover certain types of losses, such as losses that result from normal wear and tear or losses that occur while the jewellery is being repaired. It is important to carefully review the terms and conditions of your policy to understand what is and is not covered.
Centrestone Jewellery Insurance does not offer cover for personal jewellery items which are:
- Significantly modified items such as modified watches
- Mens chains, mens bracelets and mens earrings
- Have an insured value of less than $500
The cost of jewellery insurance can vary depending on the value of the jewellery being insured, the type of coverage being purchased, and the insurance company offering the policy. Get an obligation free instant quote here.