Who has best jewellery insurance in Australia in 2025-2026 is Q Report, Jewellers Mutual and Centrestone for standalone specialist cover, and NRMA and Allianz for home contents specified cover, according to ProductReview and Canstar. For standalone jewellery and watch insurance, Q Report rated best with 4.7 stars from 1,000+ reviews, offering worldwide cover, $0 excess, same day replacement, no depreciation, covering theft, loss, accidental damage and mysterious disappearance, costing 1.5% to 2.5% of value, so $10K ring $180 per year, with valuation certificate required. Jewellers Mutual rated 4.6 stars, similar cover with $0 excess and repair via jeweller network. Centrestone rated 4.5 stars, cheapest at 1.2% to 2% of value, $10K ring $150 per year. For home contents specified portable valuables, NRMA and Allianz rated best with 4.3 stars, covering jewellery up to $1,000 per item unspecific and unlimited specified with valuation, costing $100 to $250 per year for $10K ring as part of contents policy $400 to $800, but with excess $100 to $500 and may require jewellery in safe. So best jewellery insurance is Q Report for specialist standalone with $0 excess and worldwide cover, Jewellers Mutual for comprehensive, and NRMA and Allianz】 for contents specified if you want bundle with home insurance.
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