What does jewelry insurance not cover?

What jewellery insurance does not cover includes several exclusions common in Australia PDS for contents specified and standalone policies like Q Report and Jewellers Mutual. Not covered is wear and tear, gradual deterioration, scratching and tarnishing from everyday use, as insurance covers sudden events like theft, loss and accidental damage, not ageing. Not covered is manufacturing defect and inherent flaw, such as stone falling out due to poor setting, which is jeweller warranty not insurance. Not covered is damage caused by insects, vermin and rodents. Not covered is war, terrorism, nuclear and government confiscation. Not covered is intentional damage by you or someone you know. Not covered is mysterious disappearance without explanation if you leave ring in public place unattended, some policies require you prove loss was accidental. Not covered is loss from unattended vehicle unless locked and hidden, with limit $1,000. Not covered is business use like jewellery stock for business, which needs business insurance. Not covered is depreciation and loss of value after repair. Not covered is failure to maintain, such as not having ring checked annually for loose stones. Not covered is pre-existing damage before policy start. So jewellery insurance covers theft, loss, accidental damage and mysterious disappearance worldwide, but not wear and tear, manufacturing defect, war, intentional damage and unattended vehicle unless conditions met, check PDS for exclusions.