Can you get standalone jewellery insurance in Australia, yes you can get standalone specialist jewellery and watch insurance from providers like Q Report, Jewellers Mutual, Centrestone and JewelCover, offering better cover than home contents specified. Standalone jewellery insurance covers engagement rings, Rolex watches, necklaces and earrings for theft, loss, accidental damage and mysterious disappearance worldwide, with $0 excess, same day replacement, no depreciation and repair via jeweller network, costing 1.5% to 2.5% of value per year, so $10K ring $150 to $250 per year, $20K Rolex $300 to $500, minimum premium $50, requiring valuation certificate $100 from authorised valuer and proof of purchase. Benefits over contents specified include $0 excess versus $100 to $500, worldwide cover including travel, no need to have home contents policy, and no impact on home no claims bonus, as claim does not affect home insurance. For example, Q Report standalone covers $10K ring for $180 per year with $0 excess, Jewellers Mutual $200, Centrestone $150. You can get quote online via Q Report website, providing ring details, value and valuation, and get cover instantly. So yes, you can get standalone jewellery insurance in Australia from specialist providers for $50 to $300 per year for $3K to $10K jewellery, with $0 excess and worldwide cover, ideal for expensive jewellery over $2,000.
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