Jewellery, Watches & Precious Metals

Personal Jewellery & Gold Bullion

Specialist cover for personal jewellery, watches, and precious metals stored in vaults. Worldwide coverage available with agreed value protection.

Get a Jewellery Insurance Review Call 09 307 1295

Why High-Value Jewellery Needs Specialist Insurance

Standard home and contents policies typically have sub-limits on jewellery (often $2,000-$5,000 per item) that leave valuable pieces significantly underinsured. Engagement rings, luxury watches, heirloom pieces, and gold bullion need dedicated cover with agreed valuations and worldwide protection. We arrange specialist personal jewellery and precious metals insurance that covers your items wherever they are — worn, stored at home, in a bank vault, or while travelling. Each item is individually valued and insured at agreed replacement cost.

What We Cover

Our personal jewellery programmes provide comprehensive all-risks protection tailored to each client's collection.

Cover Types

Agreed Value per Item

Worldwide Cover (Worn or Stored)

Vault & Safe Storage

Accidental Damage

Theft & Mysterious Disappearance

Gold Bullion & Precious Metals

Luxury Watches

Heirloom & Antique Pieces

Transit Cover

New Acquisitions (Automatic Cover)

Who Is This For?

Owners of engagement rings and fine jewellery

Luxury watch collectors

Gold bullion and precious metals investors

Heirloom and antique jewellery owners

Frequent travellers with high-value items

Art and precious objects collectors

Why Exclusive Insurance Services?

Agreed value — no depreciation disputes at claim time

Worldwide cover as standard

Specialist valuers and repairers network

Discreet, personalised service

Talk to an Adviser

Get specialist advice tailored to your situation. No obligation, no pressure.

Start Insurance Review 09 307 1295

What Insurers Typically Need

Information an insurer may require

Underwriters generally ask for the following when quoting or renewing this class of risk. Being ready with accurate information usually improves outcomes on price and wording.

Itemised schedule with descriptions, gemstone details and photographs

Current jeweller / valuation reports within the last 2–3 years

Storage arrangements: home safe rating, monitored alarm, bank vault, professional storage

Travel patterns and frequency of wearing high-value pieces overseas

Any prior loss or damage history

For bullion: form (bars, coins), refiner marks and storage facility details

When Something Happens

Claims considerations

We help manage the claims process from notification through to settlement, coordinating with you, the insurer and other parties involved and advocating for your interests throughout. Things that commonly affect a claim in this area:

Retain valuations and receipts securely off-site — they underpin any total-loss claim.

Mysterious-disappearance cover requires prompt notification and, where relevant, a police report.

Overseas losses may require notification in the country of loss as well as to the NZ insurer.

For pairs and sets, ensure the wording covers loss of value on the remaining piece, not just the item lost.

Frequently Asked Questions

Does home insurance cover expensive jewellery?

Standard home insurance typically has sub-limits on individual jewellery items ($2,000-$5,000). If you own pieces worth more than this, they need to be separately specified or insured under a standalone jewellery policy.

Do I need a valuation for jewellery insurance?

Yes. Each item should be professionally valued within the last 2-3 years. The valuation establishes the agreed value for insurance purposes and helps determine the amount payable in the event of a claim, subject to policy terms.

Is gold bullion covered by home insurance?

Gold bullion is typically excluded or heavily sub-limited under home insurance. Specialist precious metals insurance covers bullion stored at home, in bank vaults, or with approved storage facilities.