Jewellery can be really special - not just in value, but in meaning. So it’s good to know exactly how it’s protected under your insurance. If you have Qantas Contents Insurance, here’s what you need to know.
Is my jewellery covered with Qantas Contents Insurance?
Yes, your jewellery is covered under your Qantas Contents Insurance as part of your insured belongings. That means if it’s damaged due to an insured event - like a fire, storm, or break-in - you’re covered while it’s at home.
But, keep in mind: there are sub-limits for high-value items like jewellery. These are caps on how much you can claim per item or group of items unless you’ve listed them separately. So, it’s a good idea to check if you need to list them individually on your policy at their full value to ensure they’re fully covered.
What if I wear or carry my jewellery outside the home?
If you regularly take your jewellery out and about - like a favourite necklace or your engagement ring - Qantas Contents Insurance offers optional Personal Effects Cover. This add-on gives you extra peace of mind by extending protection beyond your home.
You’ve got two options:
1. Unspecified Personal Effects
Covers portable items like jewellery that aren’t individually listed
Up to $1,000 per item
2. Specified Personal Effects
For higher-value pieces worth $300 or more
You’ll need to list each item to get full cover outside the home
You choose the insured value for each item
This kind of cover is great for things like engagement rings, watches, or heirloom pieces you’d be heartbroken to lose.
Just note: this cover is for personal items that are temporarily taken out with you - not for things stored elsewhere (like at a friend’s house or a safe deposit box).
How much does jewellery insurance cost?
The cost of insuring your jewellery depends on a few things:
How much your items are worth
The type of cover you choose (unspecified, specified)
Your total insured contents value
Where you live - since risk levels can vary by location
At Qantas Home Insurance, we make protecting what matters straightforward– and rewarding. Get a quick quote online or give us a call on 13 49 60 Monday to Friday, 9am-7pm AET and speak to one of our insurance specialists. They’ll be happy to help you choose the best cover for your needs and budget.
Find out more about Qantas Contents Insurance.
Disclaimer: Qantas Home and Contents Insurance is issued by Auto & General Insurance Company Limited ACN 111 586 353, and is arranged by Qantas Airways Limited (Qantas), Authorised Representative (AR No 261363) of Auto & General Services Pty Ltd AFSL 241411, from whom Qantas receives a commission.
The information on this website is general advice only and does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold an insurance product, you should read the relevant Key Fact Sheets (KFS), Product Disclosure Statement (PDS), Target Market Determination (TMD) and Financial Services Guide (FSG). Underwriting criteria applies. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached. Home and Contents Insurance is not available in NT, North QLD or Northern WA.
