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Without understanding the differences between a Centrestone Jewellery Insurance policy and a home & contents policy, people assume that they cover the same things – THEY DON’T!

So what makes us different?

Centrestone Jewellery Insurance guarantees that if there is ever a claim, you can go straight back to your preferred jeweller for any repair or replacement.

Your jewellery is not a toaster, a fridge, a camera or a TV. Most items that fall under Home & Contents are depreciating assets, and the insurers know this. When it comes to a jewellery claim, the insurers know that they can save money by directing the claim to their own workshop or their selected preferred jewellers.

The problem with this is that you are then not getting back the same quality and craftsmanship that you purchased originally. If it’s being made for less, it generally means the replacement of your jewellery is being made by a jeweller who is less skilled, less experienced, and who will produce an inferior replacement of your much-loved jewellery.

Jewellers recommend Centrestone Jewellery Insurance at point of sale because every day they feel like they are in a fight with their customers’ home and contents insurers to get the full insured amount out of the insurer. With Centrestone, they know that the claims process takes days, not months and that the item will be replaced exactly like for like.

Centrestone Jewellery Insurance is the only jewellery insurance provider we recommend to our customers, especially when the purchase is the most sentimental purchase of their life, the engagement ring! We know that Centrestone are transparent and honest in all their dealings with our clients, in honouring claims and replacing exactly what they had lost. Centrestone’s claims process was extremely professional and smooth which made the whole process pain free. If something ever happened to your engagement ring or your treasured diamond jewellery at least you have the peace of mind dealing with Centrestone Jewellery insurance. – Armans Fine Jewellery

Jewellery, over time, does not depreciate – it increases in value. The reason for this is that most jewellery is a composition of precious metals, diamonds and gemstones, which are priced in $US dollars and are subject to supply and demand of their own markets. Generally over time, not only do the replacement costs of the materials increase, but inflation will mean the jewellers need to increase their prices. A falling $A against the $US will also mean it will cost more in the future to replace your item that what you paid for it today.

That is why we cover 125% of the insured value, so that if replacement costs increase over the 12 month insured period, you will not be out of pocket.

For example, if you have purchased your engagement ring for $10,000, and after 6 months the ring is stolen but now the jeweller says it is $12,500 to replace it due to increased costs, you will be covered so you can get back exactly the same quality and craftmanship you had originally.

Centrestone Jewellery insurance not only covers your jewellery for accidental damage, loss and theft, but covers it anywhere in the world. Unlike home & contents policies or travel insurance policies which have time limits and exclusions on places you can visit, under a Centrestone policy there is no exclusions on how long or where you can be overseas.

Most travel insurance policies only cover single items up to about $5,000, so while you’re paying the premium, you won’t be covered if your item is worth more than that amount.

Centrestone Jewellery Insurance covers your most precious jewellery anywhere in the world for accidental damage, loss and theft.

If tragedy strikes and your precious jewellery is damaged, lost or stolen, we know that this can be extremely upsetting and stressful. That’s why we have made sure that it is only a $50 excess to be able to have your much-loved treasure repaired or replaced by your preferred jeweller.

The excess on Home & Contents policies can be many thousands of dollars. A claim will increase the premium of your whole home and contents policy for many years into the future.

We do not increase the premium on policies after a claim has been made.

It only take 30 seconds to GET AN INSTANT QUOTE, so what are you waiting for?!

The post The 4 main differences between Centrestone Jewellery Insurance and Home & Contents appeared first on Centrestone Jewellery Insurance.

Centrestone Jewellery Insurance is the most comprehensive method of ensuring your precious jewellery is covered from any unexpected damage, loss of theft.

Most people wouldn’t think twice about putting jewellery under home and contents insurance because it appears easy to lump it together with everything else that stays within your home. However, home and contents insurance might not be the best solution. More and more people are looking for comprehensive specialist jewellery cover so that they can have peace of mind when travelling or just living their everyday lives.

Jewellery is a cherished possession, not only because of its sheer value, but also because it holds sentimental value as a result of its connections to significant memories and moments in people’s lives. Centrestone understands that, so we have special policy features in place to increase comfort knowing your jewellery is covered.

Some Home and Contents insurers only cover you for damage or theft that occurs at home. Centrestone offers worldwide travel cover as part of our policy. We understand that travelling is a part of life and want you to have assurance that you are protected even when overseas or outside of the home.

When a claim is made, often insurers will attempt to replace items at the lowest possible cost to save them money. At Centrestone, we understand that in the unfortunate event that you need to make a claim, you want to return to your jeweller so that you can get a replacement as close to the original ring as possible. We also offer an additional 25% on the insured amount in the event that the value of any precious metals or gems fluctuate over time.

Centrestone provides an annual revaluation of your jewellery so that as time goes on, your insured value matches the replacement cost of your jewellery. With Centrestone you also have the option of adding wedding bands, additional jewellery or watches to existing policies so that all your jewellery is protected in the same comprehensive cover.

Losing a precious piece of jewellery is devastating enough. If a claim is made, the excess fee is a flat rate of $50 for all claims.

At Centrestone, it’s our mission to offer the most jewellery specific protection!

Once you’ve gone through the process of choosing your perfect engagement ring, make sure its protected! Get an INSTANT QUOTE to find out how little it will cost you now!

The post What makes Centrestone Jewellery Insurance different from Home & Contents? appeared first on Centrestone Jewellery Insurance.

We understand that jewellery means more to people than just it’s material value. Jewellery is a celebration of a moment in time. It’s a representation of what we hold most dear – our love and precious memories.

Our philosophy is to provide maximum protection for your jewellery with a policy that is simple and transparent. Jewellery is made to be worn, no matter where you are or what you’re doing!

The 5^th ‘C’ of jewellery – Cut, Colour, Clarity, Carat and Centrestone Jewellery Insurance.

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