Identify
List significant items and check which limits apply under the proposed policy.
SELECTED PERSONAL INSURANCE
Valuable articles insurance
Jewellery, watches, artwork and collections can exceed standard home-policy limits. We help selected clients identify items that may need specialist treatment.
Discuss this cover →
WHO IT MAY SUIT
Households with significant jewellery, watches, fine art, collections or portable items.
Cover may sit within a home policy, as separately specified items, or through a specialist product. The right structure depends on item type, value, use, storage and available evidence.
WHAT WE REVIEW
- 01Current valuations and receipts
- 02Item and category limits
- 03Cover at home and away
- 04Worldwide territorial limits
- 05Pairs, sets and collections
- 06Storage, security and wearing habits
PRACTICAL COVER REVIEW
A high contents sum insured does not remove every item limit.
Policies often apply separate limits to categories or individual items. Valuable possessions should be identified and documented before a loss, not discovered during a claim.
Value
Use current, suitable evidence such as valuations, invoices, photographs and provenance records.
Protect
Confirm where items are covered, applicable excesses and any security or storage conditions.
WHY THE DETAILS MATTER
Build an insurance record before you need it.
Keep valuations current
Market values can change, particularly for jewellery, watches, art and collectibles. An outdated valuation may not support the amount you expect to insure.
Confirm cover away from home
Portable cover may be Australia-wide or worldwide, and limits can apply to individual trips, unattended vehicles, checked baggage or particular activities.
Understand settlement options
Policies may repair, replace, pay cash or use specialist suppliers. The treatment of matching items, pairs and sets can also differ.
Tell us about new acquisitions
A new purchase may exceed an automatic acquisition allowance or category limit. Significant items should be notified promptly and added where required.
Cover is subject to insurer acceptance, the policy schedule, applicable policy wording or Product Disclosure Statement, limits, conditions and exclusions. This information is general and does not take into account your objectives, financial situation or needs.
COMMON QUESTIONS
Questions about valuable articles insurance.
These answers are general. The quotation, schedule and policy wording determine the cover offered.
Do I need a valuation for every item?
Not necessarily, but insurers commonly request evidence for higher-value specified items. Requirements vary by item type and insurer.
Can jewellery be covered while being worn overseas?
Some products provide worldwide cover, subject to limits and conditions. Travel duration, destination and security requirements should be checked.
What happens if one item in a pair is lost?
The treatment of pairs and sets varies. Some wordings consider the loss in value to the remaining item, while others are more limited.
Is valuable articles insurance separate from home insurance?
It can be. Depending on the risk and insurer, cover may be included within a specialist home policy, specified on a home policy or arranged separately.
CONNECTED COVER
Look beyond one policy.
We consider how this cover interacts with the rest of your insurance program.
A CONSIDERED REVIEW
Protect the items that are difficult to replace.
Prepare a list with current values, photographs and available valuations. We can identify the information an insurer will need.
Request a confidential review →