Jewellery Insurance: Protecting More Than Just Gold and Glitter

Why Jewellery Insurance is a Must-Have

Owning gold, platinum, and diamond jewellery is often a symbol of wealth and prestige. But without proper insurance, your precious collection is left vulnerable to theft, loss, or accidental damage. Jewellery is not only an emotional asset—it’s also a significant financial investment. That’s why jewellery insurance is a smart and essential protection strategy.

 Did you know? Nearly 29.78% of women and 27% of men have lost jewellery at some point. Yet many still don’t insure their valuable pieces.

What Does Jewellery Insurance Cover?

Jewellery insurance typically provides comprehensive protection for:

• Theft or Burglary

• Accidental Loss or Damage

• Fire and Natural Disasters

• Damage During Transit (in some policies)

• Jewellery stored in Bank Lockers

 Bonus Tip: Opt for All Risk Cover to ensure the broadest protection, including loss due to mysterious disappearance.

Jewellery Insurance with Home Insurance: A Smart Combo

Did you know that you can bundle your jewellery insurance with your home insurance? Many insurance providers allow you to cover both your property and valuable ornaments under a single plan. This is not only cost-effective but also simplifies the claim process.

Temples and Institutions Can Insure Too

Temples or religious institutions often hold jewellery as part of deity adornments. These can also be insured under special coverage for:

• Gold and Silver idols

• Antique pieces

• Temple treasury jewellery

Steps to Get Your Jewellery Insured

Follow these steps to ensure your claim is honored and your items are fully covered:

 1. Create a Jewellery Inventory

• List all jewellery pieces

• Mention weights, carat, and estimated market value

 2. Get a Valuation Certificate

• Obtain certificates from certified jewelers for each piece

• This acts as proof of value and authenticity

 3. File an FIR in Case of Theft or Loss

• A First Information Report (FIR) is mandatory for claim processing

 4. File the Insurance Claim Form

• Fill out the claim form with accurate details

• Attach valuation certificate and FIR (if required)

• Submit to your insurance provider

 Important Note: Claims will not be accepted if the loss occurs during war, riots, terrorist attacks, or if the premises were unoccupied for 30+ days.

Why Insuring Your Jewellery is a Fashion-Smart Move

Jewellery is more than an accessory—it’s an extension of your identity and heritage. Think of it as the "vitamin of fashion." Wearing jewellery freely becomes easier when you know it’s insured.

Stay Stylish, Stay Secure: Insure your precious jewellery and wear it with confidence, not caution.

Final Thoughts

Jewellery insurance is not just for the ultra-rich—it’s for anyone who values their ornaments, emotionally or financially. Whether you own a modest gold chain or a grand bridal set, insurance ensures peace of mind and financial security.

 Don't wait for a mishap to realize the value of insurance. Secure your sparkle today.