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Jewellery can be an integral part of your life, handed down through the generations, received as a gift from a loved one or bought as a reminder of an extraordinary place or period in your life. Whatever it represents, it is an extension of who you are, and an emotional and financial investment worth protecting.

While jewellery can be included as part of your general household insurance policy, it is common for such policies to fall well behind the mark when it comes to providing appropriate coverage in the unfortunate event that any of your prized possessions are stolen, lost or damaged.

Chubb specialises in the insurance of fine jewellery and has designed its Masterpiece Valuable Articles coverage to provide you with peace of mind knowing that your precious jewellery is receiving utmost protection.

Coverage Highlights


  • Itemised Coverage
    The market value of each piece of fine jewellery in your collection is determined from the start. In the event of a total covered loss, you will receive 100% of the insured value, with no excess or depreciation.
  • Cover for Market Appreciation
    At the time of a total covered loss, if the market value of your item has increased and is higher than the agreed value, we will pay up to 125% of the agreed value (subject to maintenance of current valuations and subject to a maximum difference of $100,000 from the amount of the agreed value).
  • Worldwide Coverage
    Covers physical loss or damage no matter where you go or how long you stay.
  • Cash Settlement Option
    Option to receive cash settlement in the event of irreparable damage or loss.
  • Pairs, Sets and Parts Coverage
    If one piece of a pair or set is lost or damaged beyond repair, you can simply choose to hand in the remaining piece(s) and we will pay the full replacement cost for the entire pair or set.
  • Loss of Market Value Coverage
    If an itemised piece is damaged, we will not only pay to repair it, but also compensate for any loss in market value as a result of the damage.
  • Newly Acquired Items
    Immediate cover for new acquisitions within 90 days notification, up to 25% of the existing itemised amount, subject to a maximum of $100,000.
  • Expedited Claims Handling
    With every covered loss, it is our goal to pay the claim within 48 hours of agreeing the settlement.

Forms and Documents

Interested in this Chubb policy?

Have a question or need more information? Contact us to find out how we can help you get covered against potential risks