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


$ p/m

($ Total)

Pay your premium
over 12 monthly instalments



+ one time setup fee $

Pay annually and save

$ Total

The total includes GST
and government charges


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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No Excess Fee

The Best Jewellery Insurance Policy at the Best Price

Diamonds Falling

Enjoy Zero Excess Fees on Jewellery Claims with Centrestone

Claim Without the Stress: No Excess Fees

Making a claim for your precious jewellery shouldn’t add to your stress. That’s why at Centrestone Jewellery Insurance, we’ve eliminated excess fees for all jewellery claims. What does this mean for you? In the challenging moments when you need to claim, you won’t be burdened with additional out-of-pocket expenses. Experience the relief of knowing that, with Centrestone, claiming is straightforward and free from excess fees.

Understanding Insurance Excess and Its Impact

What is Insurance Excess?

Insurance excess is a fixed amount you agree to pay towards a claim before your insurer covers the remaining costs. It’s a common feature in many insurance policies, designed to lower premiums but can be a surprise cost when you least expect it.

Why Centrestone Offers Zero Excess

Unlike other policies that require you to pay an excess fee during already difficult times, Centrestone Jewellery Insurance ensures you face no such fees. This approach contrasts sharply with typical home and contents insurance policies, where not only is your jewellery claim capped, but claiming can also lead to higher premiums for your home insurance.

The Centrestone Difference

With Centrestone, your jewellery insurance is clear and focused. You won’t find your premiums increasing due to a claim, nor will you face unexpected fees. Our policy is designed to put you back in the position you were in before your loss, without any excess costs.

Why Zero Excess Matters

Choosing Centrestone means opting for peace of mind. Our no excess fee policy ensures that you can focus on what truly matters—recovering and restoring your cherished jewellery—without worrying about financial penalties. It’s part of our commitment to providing compassionate, customer-focused insurance solutions.

Centrestone: Where Your Jewellery is Fully Covered, No Excess Required

With Centrestone Jewellery Insurance, enjoy the confidence that comes from knowing your jewellery is protected by a policy that respects your needs and your finances. No excess fees, no surprise charges—just straightforward, compassionate coverage that’s there when you need it most.


Other Online
Jewellery Insurance

Renters/ Home &
Contents Insurance


Coverage Limits

150% of Appraisal Value

Appraisal Value to 150%

Capped as low as $2,500

Appraisal Value

Worldwide Coverage






Mysterious Disappearance

Limited Impact of Claims on
Homeowners Insurance

Monthly Pay Option or Discount for
Annual Pay

Gifts to Others at Separate Address



No Excess




Free Annual Insurance Value Updates

Like for like replacement

Majority offer cash payouts
less than value of replacement

How are we different to Home & Contents Insurance?

We'll let you compare


Home & Contents

Return to your
preferred jeweller

150% to protect
from price increases


No excess fee

Worldwide cover

Often limited to
Australia Wide

Cover for accidental
damage, loss & theft

Limited coverage

Centrestone Jewellery Insurance Policy Benefits

Diamonds Falling

The 5 C's of Jewellery - Cut , Colour, Clarity, Carat and Centrestone Jewellery Insurance

Instant Quote
Read our Guide to Jewellery Insurance

Centrestone Jewellery Insurance, is Australia’s premiere jewellery insurance specialist. Offering the best engagement ring insurance & wedding ring insurance, we keep it simple – comprehensive jewellery insurance cover against damage, loss and theft – anytime, anywhere.

We provide the best comprehensive worldwide jewellery insurance for your precious engagement ring, wedding ring and timepieces. We cover your jewellery wherever it goes. Your precious jewellery is made to be worn, so why insure it with a company that will only cover it at home?

Latest Blog

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Celebrities have long influenced our choices in fashion and beauty, with their stunning engagement rings often making headlines. Known for her tumultuous love life and exquisite taste in jewellery, Elizabeth[...]

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The tradition of presenting a diamond engagement ring to seal a marriage proposal remains deeply ingrained in Australian culture. For generations, diamond engagement rings have continued to symbolise a romantic[...]

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Is Jewellery Insurance Worth It?
Is Jewellery Insurance Worth It?

02 Feb 24 | Jewellery Insurance

The decision to obtain jewellery insurance largely depends on the value of your jewellery (both monetary and emotional), your personal risk tolerance, and your financial situation. Here are some key[...]

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