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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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, 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.

Product AUFJI Loss and Theft Cover Damage Cover Cover outside of Australia Additional Cover Agreed Value Cover
JewelCover Jewellery Insurance
Jewelcover logo
25%
Get a quoteView details
Q Report Jewellery Insurance
Qreport logo
50%
Get a quoteView details
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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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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 241 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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