Policy Comparison

It’s our mission to offer the most comprehensive jewellery specific protection.

Policy FeaturesCentrestoneStandard Home and Contents Insurance*
Deal with your preferred jeweller for any remake or repair
If an item cannot be replaced for the insured value, we will cover an additional 25%
Revaluation of your jewellery every year to match replacement cost
Flat fee of $50 on all claims
You are assigned a dedicated team member to handle the claims and remake process from start to finishLimited - if specified
Cover for accidental loss, damage and theftLimited – if specified
Add wedding bands, additional jewellery or watches to your existing policyLimited – if specified
All specific details of insured items are stored securely for instant retrieval when neededGenerally you will require to specify with insurer
Instant cover for your precious jewelleryGenerally you will require to specify with insurer
Worldwide travel coverGenerally only Australia-wide unless specified

*View your insurance PDS to compare our policy

Differences Explained

Centrestone Jewellery Insurance offers a policy that has been specifically tailored to offer the maximum protection for your most precious jewellery. Standard Home and Contents insurance treats all items insured under the one policy the same, meaning they handle the replacement of your toaster in the same way as your engagement ring.

Some Home and Contents insurance only covers you for damage and theft when you are at home, but jewellery is made to be worn outside the house! Centrestone provides comprehensive world- wide cover for accidental damage, loss and theft, so you’re protected anywhere, anytime.

Often, insurers will look to replace an insured item at the lowest possible cost to save them money. For jewellery, this often means sending the replacement job to THEIR jeweller of choice.

Centrestone is different – we deal direct with your original jeweller and pay the full amount that your item is insured for (less the $50 excess fee).

In addition to this, we understand that the replacement value of jewellery can fluctuate substantially over the period of 12 months due to changes in exchange rates and increased cost of stones and metals. It’s for this reason that if the replacement cost of your insured item is more than the amount you had it insured for, we can draw on another 25% of your insured value to make up the difference!

Centrestone also provides an annual revaluation of your jewellery so that as time goes on, your insured value matches the replacement cost of your jewellery.

Instant Quote