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Wedding Ring Insurance Policy – The Complete Guide

We make wedding ring insurance easy

Centrestone Jewellery Insurance is Australia’s Premier Jewellery Insurance Specialist.

Centrestone Jewellery Insurance is the preferred jewellery insurance provider for over 1000 jewellers.Comprehensive coverage with confidence

Comprehensive jewellery insurance coverage with confidence

Your best choice for:

Engagement rings Insurance, wedding rings insurance and other jewellery insurance

Worldwide comprehensive A+ rated coverage

When you don't want a jewellery loss claim to affect your home owner's policy rates

In the event of a claim there are no excess fees and out of pocket costs

Price competitive with any other jewellery insurance company.


Diamonds Falling
Insure Your Engagement Ring with Centrestone

Centrestone Jewellery Insurance provides a specifically tailored insurance policy to give maximum protection for your wedding ring

Your wedding rings symbolise the eternal bond of love between you and your partner. Thus, a wedding ring holds immense sentimental and monetary value, making them precious treasures that should be protected at all costs. That makes investing in a wedding ring insurance policy a wise and essential decision for couples. In fact we’d go so far as to say that jewellery insurance is important to have. While it is common to buy engagement ring insurance policies, many couples need to realise that their wedding rings must also be insured too. At times the wedding rings may be 2x to 3x times more expensive. Whether it is gold or diamonds, an insurance policy will ensure that you are financially covered if it is stolen or lost.

Do you have a question about getting a wedding ring insurance policy? Feel free to contact us to find out more.

Should I consider Jewellery Insurance

A insurance policy specialising in wedding ring insurance

Instead of relying on standard insurance policies that mainly cover the basics, you should consider investing in a specialist wedding ring insurance policy designed specifically for precious rings. The policies offer comprehensive coverage to protect against accidental loss, theft, damage, or mysterious disappearance. That way, you’ll know that the rings are fully protected in various situations. One of the great advantages of specialist wedding ring insurance is “agreed value” coverage. Unlike standard policies, which may only reimburse at market value, specialist policies let you and the insurer agree on the value of the wedding rings up front. This means that you’ll receive the full agreed amount in the event of a covered loss. This is particularly valuable for unique or heirloom rings with sentimental value that may appreciate over time. Whether you’re jetting off on a dream honeymoon or exploring exotic destinations, your rings will be insured against loss or damage. Some policies even offer travel benefits like emergency replacement or repair services, so you don?t need to worry about your wedding ring getting lost, stolen, or damaged. Investing in a specialist wedding ring insurance policy protects your rings financially and provides emotional security. So, if you don?t have a policy yet, now would be a great time to consider it!

What Does A Wedding Ring Insurance Policy Cover?

Depending on your investment policy, it could cover several types of losses and damage. We strongly advise that you make sure that the policy covers the following:

Comprehensive coverage: A comprehensive insurance policy safeguards your financial investment by covering loss, theft, damage, or even the disappearance of your rings. In the unfortunate event of any such incident, the insurance policy ensures that you are financially protected and can easily replace or repair your rings.

Worldwide Coverage: Most couples will travel on their dream honeymoon, so accidents or mishaps can happen anywhere. A reliable wedding ring insurance policy typically offers worldwide coverage, ensuring your rings are protected no matter where you are. This global coverage eliminates the danger of losing or damaging your rings while travelling.

You Should Be Able To Tailor It: Wedding ring insurance policies often offer customisation options to meet your needs. That way, you can choose coverage limits, deductibles, and additional riders to tailor the policy to your requirements. The flexibility ensures you have the right level of protection for the rings and complete control and peace of mind.

Professional Replacement & Repair: In the unfortunate event of loss, theft, or damage to your wedding rings, a reputable insurance policy should provide access to trusted jewellers and gemologists specialising in ring replacement or repair. This ensures that your rings are handled by experts who understand their value and significance.

Don’t Leave Home Without Insurance

Wedding rings mean something and are beautiful, but people still lose them regardless of their size or how well they are made. In fact, more people are losing or damaging their wedding rings each year, not to mention ones getting stolen. That?s why Centrestone offers more than just wedding ring insurance policies.

We offer peace of mind, knowing that your wedding ring is financially covered regardless of what may happen. Ready to get your wedding ring insured?

Contact us for a free consultation.

Think you don’t need jewellery insurance?

Listen to Victoria’s story here

Diamonds Falling

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

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Read our Guide to Jewellery Insurance

Centrestone Jewellery Insurance is Australia’s premier jewellery insurance specialist.
We specialise in engagement ring insurance & wedding rings insurance and are the preferred jewellery insurance provider that over 1,000 jewellers within Australia now recommend.

We provide the best comprehensive worldwide jewellery insurance for your precious jewellery and timepieces.

Centrestone Jewellery Insurance provides a specifically tailored insurance policy to give maximum protection for your jewellery


Our services


Why Centrestone Jewellery Insurance

The Centrestone Jewellery Insurance Policy

Worldwide jewellery insurance cover

Worldwide Cover

Comprehensive coverage, for your jewellery no matter where your travel takes you.

Return jeweller of your choice

Return to your jeweller

In the event of a jewellery insurance claim get your items repaired or replaced by the jeweller you trust.

Jewellery insurance cover up to 150%

150% Cover

If the replacement costs exceeds the agreed insured or full value, your ring is covered to the value in excess of 50%

Jewellery replacement - like for like rings

Like-for-like replacement

If in the event of claim and your jewellery needs to be repaired or replaced, you will receive a replacement that is like for like your original insured jewellery piece.

No excess fees

No Excess Fee

No Excess fee cover ensures that you are back into the same position you were in prior to your loss.

Cover for accidental damage, loss and theft

Cover for accidental damage, loss and theft

If your jewellery is damaged, lost or stolen it's covered.

Natural Disaster Coverage

Natural Disaster Coverage

If your jewellery is lost or damaged in the event of a natural disaster.

Theft Coverage

Theft Coverage

If your jewellery is stolen it's covered.

Loss Coverage

Loss Coverage

If your jewellery is lost, it's covered.

jewellery insurance for rings

Damage Coverage

If your jewellery is accidentally damaged, it's covered.

Agreed Value Policy

Agreed Value Policy

In the event of a claim and your jewellery needs to be repaired or replaced, your jewellery is repaired/ replaced by the jeweller of your choice and is covered in the event of accidental damage, loss and theft.

Satisfaction Guarantee

Satisfaction Guarantee

We know you’ll be happy with our service. In the unlikely event that you change your mind, you’ll receive a full refund on your premium if you cancel within the first 14 days.

Dedicated inhouse Claims Consultant

Dedicated inhouse Claims Consultant

We will be there for you when you need us.

Engagement Ring Insurance

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Don't take our word for it. Check out some of our customer reviews!
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