skip to main content
Home and Contents

Tips for travelling with fine jewellery and watches

woman putting away jewelry in safe

As we prepare to hit the road, get dressed up again and celebrate with loved ones, here are a few tips to keep your jewellery and watches safe when travelling.


Make sure you have adequate coverage.

Before you leave, contact your insurance broker to confirm what coverage you have in place. With the different risks when travelling with jewellery, you’ll want to make sure your items are protected no matter where you go. Consider adding a valuable articles policy that provides worldwide, accidental damage coverage with no deductible, including loss for mysterious disappearance—which is when you lose an item but are not able to pinpoint exactly when or how it was lost.


Have your jewellery appraised.

It’s also important to have the right amount of coverage in place. With high demand and challenges with sourcing and disruptions in supply, prices in certain categories of the jewellery and watch market are increasing. You’ll want to reappraise your valuables every 3 to 5 years, and more frequently for those high value and very sought-after items, including luxury steel sport watches and jewels with rare, fancy-coloured diamonds and coloured gemstones.


Check for wear and tear.

Before you pack your jewellery, check to make sure each piece fits properly, and that there are no loose stones, broken clasps, or damaged prongs. If you find any damage or issues, avoid wearing those pieces and take them to a professional for repair.


Make sure it’s packaged carefully.

Keep jewellery items separated by a soft cloth. Use fabric pearl folders to protect necklaces, pearls, and other pieces of jewellery from scratches and abrasions. Choose a watch roll that will protect your watches so they’re not tossed around when you’re on the move. Ensure all valuables are packed in a nondescript box to help conceal its contents.


Keep items close.

While travelling, whether by plane, train or car, keep your valuables with you and never leave bags containing jewellery unattended. Storing jewellery and watches in checked luggage is not recommended, even when traveling by private plane, as valuables can still go missing.


Call ahead to make safe arrangements.

Store your jewellery and watches in the hotel’s main vault rather than the in-room safe, which provides minimal protection and is easily accessible by third parties. Consider contacting your hotel ahead of time to understand how they can best provide accommodations for protecting your valuables. Always carry your bags containing precious items personally, never leave these with hotel staff.


Visit your jeweller.

When you’re back home, have your pieces professionally cleaned and inspected for any wear and tear that may have occurred during travel, such as loose stones or clasps, damaged prongs, or scratches. To keep your jewellery and watches in their best condition, it’s important to address any issues immediately so that a small problem does not turn into a bigger one.


Jewellery and watches are made to be worn and enjoyed, especially when celebrating important life moments! Just remember when items are not worn, they should be safely stored in a high security safe bolted to the floor or in a safety deposit box at the bank.

This content is brought to you by Chubb Insurance Australia Limited (“Chubb”) as a convenience to readers and is not intended to constitute advice (professional or otherwise) or recommendations upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Chubb does not take into account your personal objectives, financial situation or needs and any insurance cover referred to is subject to the terms, conditions and exclusions set out in the relevant policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A policy wording can be obtained at, through your broker or by contacting any of the Chubb offices. Chubb makes no warranty or guarantee about the accuracy, completeness, or adequacy of the content. Readers relying on any content do so at their own risk. It is the responsibility of the reader to evaluate the quality and accuracy of the content. Reference in this content (if any) to any specific commercial product, process, or service, and links from this content to other third party websites, do not constitute or imply an endorsement or recommendation by Chubb and shall not be used for advertising or service/product endorsement purposes. ©2024 Chubb Insurance Australia Limited ABN: 23 001 642 020 AFSL: 239687. Chubb®, its logos, and Chubb.Insured.SM are protected trademarks of Chubb.

Contact us
Contact us

Have questions?

Contact a broker today.