Wedding ring insurance
For wedding rings and bands, including matching sets. These providers list cover for wedding rings. A ring worn every day needs cover away from home.
Providers to review
These providers meet the filters used for this type of insurance.
What you are insuring: Wedding ring or band. You can change this when you filter providers.
| Provider | Who they work with | Cover areas | Items covered | More info |
|---|---|---|---|---|
CentrestoneUnderwriting agencyAboutA standalone jewellery policy for items worth $500 or more, insured by Berkley Insurance Australia. It covers rings, other jewellery and luxury watches, and is also offered through participating jewellers. Some men’s jewellery, such as chains and bracelets, is excluded. | Engagement and wedding ring owners, Watch owners, Jewellery buyers |
| Visit provider | |
Diamond Guild MasterCareUnderwriting agencyAboutWorldwide jewellery insurance underwritten at Lloyd’s, sold only through Diamond Guild Australia member jewellers. Existing pieces may be added after revaluation, at the member jeweller’s discretion. Claims are replaced through your Diamond Guild jeweller. | Buyers from Diamond Guild jewellers, Engagement and wedding ring owners |
| Visit provider | |
JewelCoverUnderwriting agencyAboutA standalone policy for jewellery and watches worth $2,000 or more, with worldwide cover. Insured by Chubb and sold by Jewellers Loop, which also sells Q Report. The two products pay different amounts above the sum insured. | Engagement and wedding ring owners, Watch owners, Owners of several valuable pieces |
| Visit provider | |
JewelsureUnderwriting agencyAboutA standalone jewellery policy underwritten at Lloyd’s and issued by Quantum Underwriting Agencies. You apply online or through an approved Jewelsure jeweller. It covers rings, necklaces, earrings, bracelets and watches with a recognised valuation, anywhere in the world. | Engagement and wedding ring owners, Watch owners, Jewellery buyers |
| Visit provider | |
Keystone UnderwritingUnderwriting agencyAboutA collectibles and valuables policy for jewellery, watches, art and other collections, sold only through brokers and backed by Lloyd’s. It pays an agreed value. Worldwide cover is available for jewellery and watches that are worn. | Private collectors, Owners of high-value jewellery and watches |
| Visit provider | |
Q ReportUnderwriting agencyAboutA standalone policy for jewellery and watches worth $2,000 or more, with worldwide cover. Insured by Chubb and sold by Jewellers Loop, which also sells JewelCover. | Engagement and wedding ring owners, Watch owners, Owners of several valuable pieces |
| Visit provider | |
RingoUnderwriting agencyAboutStandalone jewellery insurance sold online by Centrestone under the Ringo name, insured by Berkley Insurance Australia. The minimum insured value is $500. It covers rings, necklaces, bracelets and earrings, but not some men’s jewellery such as chains and bracelets. | Engagement and wedding ring owners, Jewellery owners |
| Visit provider |
A ring you rarely take off
A wedding ring goes everywhere with you: to work, the beach and the gym. Cover at home only is not much help if it slips off in cold water or gets crushed at work.
Plain bands may fit within a contents policy limit. Check the per-item limit and whether the ring is covered when you wear it out.
Engagement and wedding ring sets
Some policies treat a matching pair or set as one item. If one ring in a set is lost, ask how the policy pays. Some replace the whole set if you hand over the remaining piece. Others pay only for the lost ring.
Cover to ask about
- loss and theft away from home
- accidental damage, including to stones in a diamond band
- cover overseas
- both partners' rings on one policy
Wear and tear is usually excluded. Regular checks of the setting help prevent lost stones.
What to have ready
- receipts or valuations for each ring
- photos of each ring
- whether the rings are a matched set
- who owns each ring and who wears it
- any work or hobbies that are hard on rings
Example: three rings, two limits
This is a hypothetical example.
A couple has two plain gold bands worth $1,200 each and an engagement ring worth $6,000. Their contents policy covers jewellery at home up to $2,000 per item.
The bands fit within that limit at home, but none of the rings are covered away from home without an added option. They compare adding that option with a separate jewellery policy for all three rings.
Frequently asked questions
Is a wedding ring covered by contents insurance?
Usually at home, up to the policy limit. Cover away from home often needs an added option.
Can I insure both rings on one policy?
Usually, yes. Jewellery policies and contents policies can both list several pieces.
What if my ring wears thin?
Wear and tear is usually excluded. Ask a jeweller to check the band and setting every year or two.