Why Q Report?
You’re speaking to people who live and breathe jewellery; not insurance salespeople.
Your policy is backed by a world-leading insurer of fine arts and valuables of a millionaires.
If you need to make a claim
You’ll deal directly with us. We won’t pass you from department to department or offload your chances to another company entirely. We’ll be there for you when you need us.
The value of your jewellery
Q Report has the expertise to accurately revalue your jewellery at no charge to you.
We have a rich heritage in the jewellery industry and have worked hard to forge a great reputation among jewellers and jewellery consumers.
12 months worldwide cover
From the moment you leave your jeweller.
Return to your original jeweller
Have your jewellery replaced or repaired by someone you trust.
A professional revaluation at no charge to you.
Agreed value with up to 125% cover*
If replacing your jewellery will cost more than you bought it for, we’ve got you covered for up to 125%.
Low, fixed $100 excess
No ifs, no buts – we pride ourselves on providing absolute transparency.
Should I purchase insurance for my jewelry?
Purchasing jewelry can be an exciting process. The last thing you may be worried about is purchasing insurance for your jewelry, but there are a variety of reasons to consider insuring your jewelry. In some cases, your renters’ insurance or homeowner insurance may be enough to cover the cost of any jewelry that is stolen from your residence. In cases where it is not enough, you will be left having to replace stolen jewelry yourself. Home insurance will also not cover jewelry that has been lost or stolen while away from home. There are also numerous stipulations that must be met for your home insurance or renters insurance to cover your damaged, lost or stolen jewelry. You can expect to pay around 1 to 2 percent of the value of your jewelry a year to insure your jewelry. For an $8,000 piece of jewelry, it would only cost you around $80 to $160 annually. Jewelry insurance rates can also vary depending on your location and factors such as how often you wear the jewelry. There is no guarantee that after you purchase a piece of jewelry nothing will happen to the jewelry. You could misplace, damage it or your jewelry could be stolen while away from home. If your piece of jewelry is worth the cost of jewelry insurance, then insuring your jewelry is an option. There are plenty of different jewelry insurance options. Before you start shopping around there are a few things you should consider.
Things to consider when shopping around for a Jewelry insurance quote.
When shopping for a jewelry insurance quote, there are several pertinent questions you want to keep in mind when speaking to a representative. Failing to ask this question may your jewelry only partially covered or not covered at all.
-How is the value of your jewelry is determined?
– Are there any exclusions? If your jewelry breaks will a repair be covered?
– The price of precious metals fluctuates throughout the year and over the years. Will your jewelry insurance company cover the cost of your jewelry in today’s value or yesterday’s?
– What items will you need to have a claim processed and accepted?
– Will you need a police report or any other documents to prove your jewelry was lost or damaged?
-Will you be required to replace your jewelry with a specific company?
-Are there things you can do to reduce the cost of your plan?
Things you may need for a jewelry insurance quote.
Here are some things that almost every jewelry insurance company will require for coverage.
-You will need to get your jewelry appraised.
Getting your jewelry appraised will allow your jewelry insurance company to have the value of your jewelry certified by an expert. You can expect to pay around $55 to $155 an hour for appraisal of your jewelry.
– You will need pictures of your jewelry. You may receive pictures of your jewelry from the appraisal process, but you can also take pictures to keep for yourself.
– You will need a receipt. A receipt will be required for proof of purchase.
Tips to get the most out of your coverage.
-Check to make sure your plan is enough to cover your collection every year. If you are constantly adding new pieces you will want to make sure you spend some time evaluating your collection to make sure there have been no significant changes in the value of your jewelry.
-You will want to consider purchasing a safe.
Having a safe or vault for your jewelry can reduce the cost of your plan, with some jewelry insurance companies.
-You’ll want to get your jewelry re-appraised about every 5 years.
Still considering Jewelry insurance?
While jewelry insurance is not for everyone, if you are still considering purchasing jewelry insurance after reading this article, it may be the right choice for you. Having your jewelry insured can give you peace of mind. Picking the right jewelry insurance can ensure your jewelry is covered in any situation. You can start calling around today to receive a quote.
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