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When Buying Jewellery Online

5 critical things to look out for

By the year 2020, the online fine jewellery and fashion jewellery market is expected to capture 10 to 15% of the jewellery market, respectively1. And while buying jewellery online can be convenient, 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:

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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.

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2. Read the fine print

Review the seller’s privacy policy to see whether they share your email or contact information with third-party organizations. 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.

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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.

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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.

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5. Verify your coverage

Especially when you are purchasing expensive diamonds, gemstones, and jewellery with precious metals, there is no guarantee that your existing homeowners 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 adding a valuable articles policy that provides all-risk protection and automatic coverage for newly acquired jewellery to ensure that your purchase is protected from the moment you click “buy”.

Weinswig, D. (2016, Apr 14 ublished). As Fine Jewelry Moves Online, The Market Sparkles. Forbes Media LLC. Retrieved from https://www.forbes.com/sites/deborahweinswig/2016/04/14/as-fine-jewelry-moves-online-the-market-sparkles/#1d1e57e974ae

If you would like to find out more on how you can protect your jewellery and other valuable possessions, contact our specialists for a free consultation at sng.masterpiece@chubb.com or click on the 'Contact Us' button below to send in your query.

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Disclaimer - The content of the above article is not intended to constitute professional advice. Although all content is believed to be accurate, Chubb Insurance Singapore Limited (Chubb) makes no warranty or guarantee about the accuracy, completeness, or adequacy of the content of this article. Users relying on any content do so at their own risk.

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