Jewellery Cover

Your jewellery is more than just something you wear. These priceless pieces evoke memories of a special time in your life.

Highlights

Whether it’s your engagement ring or a necklace passed down from your grandmother, your precious jewellery is often tied to memories of a special time and place in your life. Chubb’s extensive jewellery coverage included in our Home & Contents insurance policy can help cover the special pieces you’ve acquired over the years.

Individualised coverage

We offer flexible, worldwide coverage options to meet your unique needs and cover most causes of loss with no deductible. Cover an entire collection with blanket coverage, itemise your individual pieces, or do both. It’s up to you.

Optional cash settlement*

In the unfortunate event a valuable item is irreparably damaged or lost, you can choose to take cash up to the sum insured rather than replacing it if it suits you better.

Automatic coverage for new items*

If you already have itemised jewellery, newly acquired items are covered for up to 90 days (25% of the itemised coverage up to $100,000).

Paying market value*

In certain cases, we’ll pay more than the amount itemised on your policy to account for increases in market value.

*These benefits are not included in all Chubb policies. Speak to your insurance broker to find out which product is right for you.

Who is Chubb’s jewellery cover designed for?

Chubb jewellery cover is included in our Home & Contents policies and is designed to cater to a wide range of individuals and situations. This insurance is particularly beneficial for:

Jewellery enthusiasts

Whether you own a collection of precious jewellery or have a few treasured pieces, our insurance provides specialised coverage for those with a love for beautiful pieces.

Successful individuals

For individuals with substantial jewellery assets, we offer customised coverage that aligns with your unique needs, ensuring adequate insurance for your valuable items.

Travellers and jetsetters

If you frequently travel or often find yourself away from home, our worldwide coverage ensures that your jewellery is covered against loss, damage, or theft, allowing you that extra comfort when abroad.

Collectors and connoisseurs

If you collect rare and valuable jewellery, Chubb offers comprehensive coverage that takes into account the unique value and characteristics of your collection.

Please note that Chubb jewellery cover can be tailored to meet the specific needs of various individuals and situations. Contact your insurance broker to discuss how our coverage can benefit you and ensure your cherished jewellery is insured.

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Coverage

Chubb Home & Contents Insurance offers comprehensive coverage for a wide range of risks and perils that may affect your specified valuable jewellery. Our coverage includes:

Loss or damage
Our insurance covers against accidental loss or damage to your specified jewellery, ensuring that you are financially covered in the event of unexpected incidents.

Theft and burglary
Our insurance provides coverage for theft or burglary, ensuring that you have financial assistance in the unfortunate event of such incidents affecting your valuable items.

Worldwide coverage
Whether you're at home or travelling abroad, our insurance extends coverage worldwide, ensuring that your jewellery is insured no matter where you go.

Replacement cost
In the event of loss or damage, our coverage takes into consideration the replacement cost of your jewellery, providing financial reimbursement to restore your collection.

*These benefits may not be included in all Chubb policies. Speak to your insurance broker to find out which product is right for you.

*Additional coverage options
Chubb offers optional coverage enhancements, such as coverage for newly acquired jewellery and higher limits for specific items, allowing you to customise yoru policy to fit your unique needs.

Please note that Chubb Home & Contents Insurance has certain exclusions. For a comprehensive understanding of coverage and exclusions, please refer to the policy wordings and product disclosure statements.

Some of the primary exclusions include loss to jewellery caused by:

An intentional act by someone covered under the policy, such as stealing, theft, or other misappropriation
Certain events including acts of war, nuclear and chemical hazards.
Wear and tear, gradual deterioration, rust, and corrosion.

Frequently Asked Questions

Insurance may cover lost diamonds under your Home & Contents insurance policy. Confirm the specifics with your insurance broker.

If you lose expensive jewellery, immediately report it to the police and contact your insurance broker.

Diamonds may depreciate due to market supply and demand, economic forces, lower resale avenues, and absence of retail markups.

The policy can cover a broad range of items, from engagement rings to expensive watches. Contact your insurance broker to find out more.

We determine the value of jewellery based on professional appraisals or purchase receipts.

Yes, there may be an opportunity for you to choose a preferred jeweller for repairs or replacements under our policy.

To make a claim, promptly contact your insurance broker with your policy details and incident report.

Our policy extends to jewellery when travelling subject to the terms and conditions of the Product Disclosure Statement.

Yes, new jewellery items can be added to your policy. Contact your insurance broker to assist.

Depending on the type of policy and under which section of the policy the jewellery is covered, there may be a deductible for jewellery claims. Check your policy or speak with your insurance broker for specifics.

Not all home & contents policies cover accidental losses to jewellery, although this is covered with Chubb.

Having a home security system could qualify you for a premium discount. Please contact your insurance broker for details.

Why Chubb?

Benefits of Chubb's Jewellery Cover

Chubb offers premium Home & Contents insurance policies that are tailored to cover your cherished jewellery pieces. Here are some key advantages of choosing Chubb for your jewellery insurance:

Global reputation
As the world's largest publicly traded property and liability insurer, Chubb brings unmatched expertise and financial strength to provide comprehensive coverage for your precious jewellery.

Extensive coverage
Our jewellery coverage offers individualised options to meet your unique needs. Whether you have a single valuable piece or an entire collection, we can tailor a policy that suits you.

Worldwide coverage
With Chubb Home & Contents Insurance, your coverage extends worldwide, ensuring that your jewellery is insured no matter where you travel or reside (subject to the terms and conditions of the Product Disclosure Statement).

Flexible coverage options
We offer flexible coverage options, including blanket coverage for your collection or itemised coverage for individual pieces. You have the freedom to choose the level of coverage that suits your requirements.

Optional benefits
Chubb provides optional benefits such as cash settlement for irreparably damaged items, automatic coverage for newly acquired jewellery, and paying market value in certain cases, giving you added peace of mind.*

High-quality service
At Chubb, we are committed to delivering exceptional service. Our experienced professionals are dedicated to assisting you throughout the claims process and ensuring a seamless experience.

*These benefits are not included in all Chubb policies. Speak to your insurance broker to find out which product is right for you.

Tips & Resources

Stay informed and take proactive steps to cover your valuable jewellery with the help of our insightful blog posts and resources. Download our brochure to learn more about Chubb’s Home & Contents Insurance and the coverage options available for your precious possessions.