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You can pay your premium as monthly instalments or a single annual payment.

MONTHLY

$ p/m

($ Total)

Pay your premium
over 12 monthly instalments

ANNUAL

$

+ one time setup fee $

Pay annually and save

$ Total

The total includes GST
and government charges

OR

What’s next? You’ll need to provide some documents and photos of your jewellery items
Want to read over the fine print? Check out our PDS here.

Have some questions? We would love to hear from you.

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Quote Request

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Have some questions? We would love to hear from you.

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FAQs

Ask us anything!

I’m filling out an application

The cost of your insurance will depend on the total value of the jewellery you are wanting to insure.

You can receive an instant on our website by clicking here.

To receive a formal quote please submit an application with us and one of our team members will contact you with a quote for the insurance.

Applying with Centrestone is very quick and easy to do!

You can apply for a policy or receive an instant quote on our website by clicking here.

Upon submitting your application, you will receive an email with a link to upload your photos and documents. Once you have provided the required documentation someone from the Centrestone team will contact you to process your policy

Determining how much to insure your jewellery for can be a difficult question. Underinsuring your jewellery may mean we will not be able to replace it like-for-like in the event of a claim, however, if you over insure your jewellery you may be paying an unnecessary amount of premium. This is why we recommend insuring your jewellery at its current retail replacement cost, or how much your jeweller would charge us to make you a comparable replacement. This can be anywhere from the purchase price to the amount listed on your valuation certificate. If your jewellery is inherited or has been gifted to you and you are unable to provide a copy of the tax invoice it must be insured at the valuation amount.

Applying for jewellery insurance with Centrestone is quick and easy to do!

Once we have received the photos and documents required to set up a policy one of our team members will contact you within 30 minutes in business hours to process your policy for you.

Once the premium has been paid your coverage is in place instantly.

To finalise your policy, we do require some documentation so that we can specify the details of your jewellery on your policy documents.

These documents include:
◦ A copy of the tax invoice from your jeweller
◦ A copy of the valuation certificate (if you provided with one)
◦ Some high-resolution photos of the item
◦ A ‘proof of possession photo of the item in front of something recently dated such as an email from us, a newspaper or a grocery receipt.

If you cannot provide all of the relevant documents at this time please contact us at contact@centrestone.com.au or call us on 02 8316 3995

Yes! You can take out a policy for a ring you plan on giving your partner.

You can choose to add your partner’s name to the policy at a later date allowing them to call or email to make changes to the policy.

You will need to disclose all jewellery insurance claims that have occurred in the past 3 years as part of your Duty of Disclosure. You can still apply for coverage despite a previous claim, however Centrestone reserves the right to cancel or refuse coverage if you have made a fraudulent claim.

Jewellers across Australia are partnering with Centrestone as they know our policy will provide their customers with the most comprehensive and cost-effective cover

Selected jewellers can process policies in store so that your precious jewellery is covered from the moment it leaves the jewellers. Your jeweller will then send us all the required documentation so you can relax knowing you are fully covered.

To find out if your jeweller can process your policy in store please contact the Centrestone Team at contact@centrestone.com.au or call us on 02 8316 3995

It is possible to change the insured value of your application or policy at any time. If you would like to change the insured value of your application or have a new quote sent to you please contact the Centrestone team at contact@centrestone.com.au, or call us on 02 8316 3995

It is possible to pay your premium as an annual payment or in monthly instalments, however it does work out cheaper to pay for the policy up front

You can receive an instant quote on our website by clicking here.

At Centrestone we are committed to ensuring that your billing details are stored securely.

At this point in time we can only accept payment via debit and credit card. We are unable to directly debit payments from your bank account

At Centrestone we understand that buying an engagement ring or a new piece of jewellery is a big investment. Insuring your jewellery before it is collected can give you peace of mind that it is protected from the moment it leaves the jewellers. Selected jewellers can process policies in store so that your precious jewellery is covered before you collect it.

To find out if your jeweller can process your policy in store please contact the Centrestone Team at contact@centrestone.com.au or call us on 02 8316 3995

If you are experiencing difficulties submitting an application, we are here to help!

Firstly, please double check that the information entered is correct and all required fields are complete. If you still require assistance please contact the Centrestone team at contact@centrstone.com.au or by calling us on 02 8316 3995.

I’m curious about jewellery insurance

You wear your jewellery everywhere and everyday so it’s important to have the most comprehensive cover.

Policies such as Home & Contents insurance are not specialist jewellery insurance, so it’s important to read the fine print and understand what you would actually be covered for.

You can find a comparison between the Centrestone’s Jewellery Insurance Policy and your standard Home & Contents Policy on our website by clicking on here.

You wear your jewellery everywhere and every day, so it is important to make sure you are comprehensively covered regardless of how much you travel

Insuring with Centrestone is the best way to protect your jewellery for accidental damage, loss and theft, both in and out of the home

A full list of our policy features can be found on our website by clicking on here.

Insurance underwriting is the process our underwriter uses to assess an applicant’s risk and determine if their application can be approved. Centrestone Jewellery Insurance is underwritten by Berkley Insurance Company

For further information regarding our policy exclusions, please see our PDS listed on our website here.

Our PDS can be found on our website here. For a downloadable PDF version, please click here.

I’m curious about Centrestone

Centrestone Jewellery Insurance was created to meet a need in the market for choice and maximum protection for people’s most precious jewellery. We believe wearing your jewellery should make your life more wonderful, not stressful. It’s our mission to take the stress away!

We understand that jewellery means more to people than just it’s material value. Jewellery is a celebration of a moment in time. It’s a representation of what we hold most dear – our love and precious memories.

Our philosophy is to provide maximum protection for your jewellery with a policy that is simple and transparent. Jewellery is made to be worn, no matter where you are or what you’re doing!

We offer insurance tailored specifically for jewellery and watches.

Types of items we insure include engagement rings, wedding bands, earrings, necklaces, pendants, bracelets, bangles, pearl pieces, brooches, watches and loose stones.

At Centrestone we understand that your jewellery is unique which is why we offer a like-for-like replacement policy.

This means that if you ever need to make a claim, your preferred jeweller will make you a replacement as close as possible to your originally insured item. This gives you peace of mind that you are getting the same craftsmanship and quality back as when you originally purchased the item. For this reason, we do not offer cash payouts under the policy.

Yes! You can take out a policy for a ring you plan on giving your partner.

You can choose to add your partner’s name to the policy at a later date allowing them to call or email to make changes to the policy.

Applying for jewellery insurance with Centrestone is quick and easy to do!

Once we have received the photos and documents required to set up a policy one of our team members will contact you within 30 minutes in business hours to process your policy for you.

Once the premium has been paid your coverage is in place instantly.

We have one standard policy which is for 12 months cover. Centrestone has an automatic renewal system, so that you can have continued coverage for your item.

If you cancel within the first 14 days, you are eligible for a full refund under part of the 14 day cooling-off period

It is possible to cancel your Centrestone Policy at any time.

If you have paid your premium as an annual payment you will receive a pro-rata refund for the days remaining in your policy minus a 10% cancellation fee. If you have paid your premium in monthly instalments you will not receive a refund for any instalments already paid.

Your Centrestone Policy provides you with 12 months of comprehensive cover for your jewellery. At 2-4 weeks prior to the renewal date of your policy we will issue your renewal notice.

We understand that life is busy, and it can be hard to keep on top of your expenses. To ensure you have continued protection of your jewellery your Centrestone Policy will automatically renew after 12 months.

The premium paid for the first year of coverage is inclusive of an admin which is not charged in subsequent years. So, if your insured value is the same, your premium would reduce in your second year of coverage.

Your premium is calculated from the insured value of your policy, so if the insured value remains the same after your second year of coverage so will your premium.

We understand that losing your precious jewellery can be an extremely upsetting and stressful time, which is why we have kept our claims process and simple and quick as possible

If your insured item has been accidently damaged, lost or stolen please contact the Centrestone team as soon as possible. We can then register your claim in our system and advise you of what documents you will need to provide for your claim to be submitted to our underwriter.

If the claim is approved, we will contact your preferred jeweller to arrange the repair or replacement of your jewellery. All claims are settled directly with your preferred jeweller and we do not offer cash payouts or reimbursements for claimed items.

Having your jewellery lost or stolen is stressful and upsetting, so we don’t want to rub salt in the wound. There is no excess fee to make a claim a claim with Centrestone jewellery insurance!

At Centrestone we do not compromise on quality when it comes to replacing your jewellery.

We know that time and craftsmanship has gone into making your precious jewellery, which is why we guarantee you can return to your preferred jeweller for any repair or replacement.

Centrestone’s policy is the most comprehensive policy in the market. We only have a few standard exclusions unlike other generalist insurance policies.

Here are some scenarios where your items will not be covered under the Centrestone policy:
◦ Cleaning and renovation
◦ Confiscation
◦ Cyber risks
◦ Dishonest or intentional acts
◦ Existing damage
◦ Gradual deterioration, breakdown, wear and tear
◦ Misappropriation – intentional theft, loss or damage caused by an insured person is not covered.
◦ Mould
◦ Nuclear hazard, radioactive, chemical or biological contamination
◦ War, terrorism or similar risks

For further information regarding our policy exclusions, please see our PDS listed on our website here.

Our PDS can be found on our website here. For a downloadable PDF version, please click here.

I’m already a customer

You can update your personal information by emailing our customer service department here.

You can download a copy of your policy documents by emailing a request through to our customer service department here

We understand that life is busy, and it can be hard to keep on top of your expenses. If you miss a monthly payment you will receive an email and our system will try and debit the premium the following day.

If the overdue payment is not received within 14 days of its scheduled date, we will be required to cancel the policy.

You can update your payment details by emailing our customer service department here

You can renew your Centrestone Policy via your renewal notice or by contacting our customer service department here.

Once your renewal premium has been paid the cover for your renewal will be in place instantly.

If your coverage has lapsed it is still possible to renew your policy, however, you will not be covered during the lapsed period.

To renew your policy please contact us at contact@centrestone.com.au or call us on 02 8316 3995.

Centrestone’s policy provides you with 12 months worldwide coverage with no limits to the length of time spent overseas.

This means if you move outside of Australia you would still be fully covered during your policy period!

However, if you are unable to provide an Australian residential address at the time of your policy renewal, we will not be able to offer you future coverage for your jewellery

It is possible to cancel your Centrestone Policy at any time.

If you have paid your premium as an annual payment you will receive a pro-rata refund for the days remaining in your policy minus a 10% cancellation fee. If you have paid your premium in monthly instalments you will not receive a refund for any instalments already paid.

If you need to cancel your policy please contact us at contact@centrestone.com.au or call us on 02 8316 3995.

We understand that losing your precious jewellery can be an extremely upsetting and stressful time, which is why we have kept our claims process and simple and quick as possible

If your insured item has been accidently damaged, lost or stolen please contact the Centrestone team as soon as possible. We can then register your claim in our system and advise you of what documents you will need to provide for your claim to be submitted to our underwriter.

If you need to lodge a claim please contact us at contact@centrestone.com.au or call us on 02 8316 3995.

Please note that all claims are settled directly with your preferred jeweller. We do not offer cash payouts or reimbursements for claimed items.

Having your jewellery lost or stolen is stressful and upsetting, so we don’t want to rub salt in the wound. The excess to make a claim with Centrestone is only $50!

At Centrestone we do not compromise on quality when it comes to replacing your jewellery.

We know that time and craftsmanship has gone into making your precious jewellery, which is why we guarantee you can return to your preferred jeweller for any repair or replacement.

Your Centrestone Policy provides you with 12 months of comprehensive cover for your jewellery

We will issue your renewal notice 2-4 weeks prior to the renewal date of your policy. To ensure you have continued protection of your jewellery, your Centrestone Policy will then automatically renew after 12 months.

If you wish to make changes to your policy or cancel your renewal please contact us at contact@centrestone.com.au or call us on 02 8316 3995.

The premium paid for the first year of coverage is inclusive of an admin which is not charged in subsequent years. If your insured value remains the same, your premium would reduce in your second year of coverage. Your premium is calculated from the insured value of your policy, so if the insured value remains the same after your second year of coverage so will your premium.

Claims

We understand that losing your precious jewellery can be an extremely upsetting and stressful time, which is why we have kept our claims process and simple and quick as possible

If your insured item has been accidently damaged, lost or stolen please contact the Centrestone team as soon as possible. We can then register your claim in our system and advise you of what documents you will need to provide for your claim to be submitted to our underwriter.

If you need to lodge a claim please contact us at contact@centrestone.com.au or call us on 02 8316 3995.

Please note that all claims are settled directly with your preferred jeweller. We do not offer cash payouts or reimbursements for claimed items.

Having your jewellery lost or stolen is stressful and upsetting, so we don’t want to rub salt in the wound. There is no excess to make a claim with Centrestone jewellery insurance!

Something else

If you have questions about Centrestone or our policy please contact us via email at contact@centrestone.com.au or call us on 02 8316 3995.

If you are interested in partnering with Centrestone, we would love to hear from you!

Please contact us via email at contact@centrestone.com.au or call us on 02 8316 3995 to discuss our referral program and how we can benefit your customers.

We love customer feedback! If you would like to share your experience with us, you can leave a review on Google by clicking here or on Facebook by clicking here.