Claims are typically settled based on the appraised value of the item. For custom jewellery, insurers work with you to ensure a replacement or repair that matches the original design and craftsmanship.

Yes, most insurers allow you to add newly acquired pieces to your policy, often with temporary automatic coverage until an appraisal is completed.

Factors include the total value of your collection, the type of coverage chosen, the location where the jewellery is stored, and the security measures in place (e.g., safes, alarms).

While policies vary, common exclusions include intentional loss, wear and tear, or damage due to improper maintenance. It’s essential to review your policy details.

You can typically file a claim by providing proof of ownership, such as an appraisal or purchase receipt, along with details about the incident. Insurers aim to process claims quickly, especially when working with adjusters familiar with jewellery.

Jewellery values can fluctuate due to market conditions or changes in craftsmanship demand. Many specialized insurance policies recommend periodic appraisals to ensure your coverage remains adequate and reflects the current value of your items.

You can choose to insure individual pieces or your entire collection. Specialized jewellery insurance offers flexibility to match your needs and budget, whether you’re insuring a single engagement ring or a multi-piece collection.

To obtain coverage, you'll typically need a certified appraisal, photographs of each item, and proof of purchase if available. This documentation helps ensure accurate valuation and simplifies the claims process.