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From your home and valuables, to prized collections and jewellery, you have a lot to insure. When you insure your home and contents with Chubb, you will receive a high level of service from an insurer who is specialised in working with successful individuals with high value assets.
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Buying jewellery online can be convenient, but it is wise to proceed with caution and make sure your purchase is legitimate and arrives in your hands whole and beautiful.
Here are a few things you’ll want to do before you click “purchase” online:
1. Research the seller
Do your due diligence on the seller first. Read other buyers’ comments or reviews, to see whether the seller has a reputation for being ethical, fair, and easy to work with.
2. Read the fine print
Review the seller’s privacy policy to see whether they share your email or contact information with third-party organisations. Carefully read their exchange and return policy as well, to make sure that if you’re not happy with what you received, or something comes to you damaged, you will have some recourse.
3. Request pictures
Ask the seller for detailed pictures to ensure the quality of the jewellery you’re purchasing. For example, if the site claims the piece is signed or the metal is a certain quality, request a photo of the signature or metal purity stamp on the piece.
4. Make sure it’s packaged carefully
Scratches are a common cause of jewellery damage, so make sure that your piece is packaged carefully and tightly, so it cannot be easily tossed around in transit. Request that the seller pack each individual item in a soft cloth pouch that can be sealed or tied shut so the piece can’t come loose during shipping. Make sure the cloth pouch fits snuggly within its shipping box – packing with extra bubble wrap or tissue paper can help. Additionally, twisting and bending semi-rigid chains or other jewellery pieces can cause permanent damage. Pay extra if need be to ensure that your item is shipped in a box that is large enough.
5. Verify your coverage
Especially when you are purchasing expensive diamonds, gemstones, and jewellery with precious metals, there is no guarantee that your existing home and contents policy will provide sufficient protection if the piece is lost, damaged, or stolen. Before buying a piece online, contact your agent or broker to see what coverage you have in place. Consider a policy to specifically cover your listed valuable articles that provides worldwide cover and automatic coverage for newly acquired jewelry to ensure that your purchase is protected from the moment you click “buy.”
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