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Why should I take out insurance for my jewellery while travelling?

Before you even arrive at your destination the very real threat of lost or damaged baggage from the airplane flights can mean your valuables don’t even make it to your first hotel room.

When travelling overseas, you may find yourself in unfamiliar cities where theft is prevalent. As a tourist, chances are you and your Nikon camera stand out to the locals. This leaves you open to petty crimes like pick pocketing.

No matter how careful you are when travelling, the inevitable disruption to your daily routine can leave you scratching your head as to where your jewellery has wandered off to.

Most holidays often involve more adventurous activities than in everyday life, so there is increased risk of damaging occurring while seeking thrills. Tropical holidays are also plagued with risks. As you might know from our blog When Should You Remove Your Jewellery? swimming in cool water can reduce your regular finger size drastically. This increases the likelihood of a ring slipping off and being lost forever in the Mediterranean Sea.

Why should I go with a specialist like Centrestone over travel insurance when insuring my jewellery?

Having insurance is a definite must for the unforeseen perils that may arise while travelling. But before you add your engagement ring to a travel insurance policy, consider the following

Insufficient pay out limits

Most travel insurance policies have pay out limits on items insured. This means that if you lose your jewellery while travelling the insurer may only compensate you for a portion of what your precious jewellery is worth. With Centrestone, we offer coverage up to 125% of the insured amount to ensure that you aren’t out of pocket should the unexpected happen.

You may have to go to the insurer preferred repairer

With Centrestone, we know that a significant portion of your jewellery’s value comes from the delicate craftsmanship of your jeweller. Therefore, we know it’s important to give you the choice of who remakes or repairs your jewellery. Big general insurers often shop around with repairers to get the cheapest quote for a replacement, sacrificing quality in the process.

May be subjected to high excess

Typically the excess for a travel insurance policy will be in the region of several hundreds of dollars to deter fraudulent claims. With Centrestone, we know having your jewellery lost or stolen is stressful and upsetting, so we don’t want to rub salt in the wound. The excess to make a claim with Centrestone is only $50.

Packing your bags for your next overseas trip? Get a quote now to see how affordable worldwide coverage is with Centrestone!

The post The Scary Truth About Travel Insurance appeared first on Centrestone Jewellery Insurance.

Establishing a good routine for where you leave your jewellery when you remove it is the smartest way to avoid forgetting where you have left it, preventing it from becoming vulnerable to loss or theft. Depending on where you are when you remove your ring, it is a good idea to make sure you leave it in the same location each time to form a habit.

If you are at home swimming or gardening, valuable jewellery should be left in a locked room when it is removed. If your home is fitted with a safe, this is the most secure method of protection.

Holidays are filled with plenty of excuses to walk down to nearby beaches or relax near a pool. Most hotel accommodations have a safe in the master bedroom, which is the perfect location to make sure that your jewellery isn’t stolen on the beach or lost in the sand.

Gyms often provide lockers for your possessions. While you are punching out your session make sure it is safely stowed away with the rest of your valuables.

If you are travelling for an extended period of time and decide not to take your jewellery, you can opt to put it into a safety deposit box at your bank for a fee.

Of course you cannot always foresee times when you might need to remove your ring. Make sure you have Centrestone Jewellery Insurance for those unexpected times so you have peace of mind if it ever is lost or stolen.

For an Instant Quote to find out just how little it will cost you to get covered, Click Here!

The post Where Should You Store Your Jewellery When Not Wearing It? appeared first on Centrestone Jewellery Insurance.

Below are the top 5 times we suggest you should keep your jewellery in a safe place and not on your finger!

The post When Should You Remove Your Jewellery? appeared first on Centrestone Jewellery Insurance.

The answer? Either!

Ideally the moment you step out of the jeweller with your precious new ring you should make sure that you are covered for any unforeseen events.

The best way to do this is to ask your jeweller if they offer jewellery insurance through Centrestone Jewelley Insurance. Alternatively, you can call and apply for jewellery insurance over the phone before you leave the store.

As the ring purchaser, it can feel like a daunting task having the responsibility of such a small and precious item in the lead up to popping the big question. Where should you store the ring before the proposal? What happens if it gets lost or damaged?

Many prospective proposers invent unique hiding places for their engagement rings. We recommend storing it in a safety deposit box – as well as having it protected under the cover of policy from a jewellery insurance specialist.

As the ring-receiver, the first thing on the wedding planning to do list should be to insure your ring.

Between the proposal date and the day you are married anything can happen, especially if you are not yet used to wearing your engagement ring on a regular basis. Have peace of mind and one less thing to do on your checklist by making sure your ring is covered for any accidental damage, loss or theft.

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 Who Should Insure the Engagement Ring? The Bride or the Groom? appeared first on Centrestone Jewellery Insurance.