Many are shocked when told to ensure their jewellery. These days you can ensure just about anything, so why not something you value greatly and you paid a lot for like jewellery? Well that’s exactly what you need to do! Getting a good policy is important for achieving the best safety and replacement plan of your favourite accessories. You can relax and feel safe from theft and disaster if you have a good insurance policy.
The first thing you’re going to need to do is appraise the jewellery you wish to insure. This may not be needed if you have the receipt of the piece. Keep in mind that it’s essential to get your jewellery insured quickly. This is why some insurance companies will start the policy purchase process before the appraisal is done. Check if you can appraise your piece right from the initial purchase. Be careful, because some insurers may not allow your own appraiser to determine the value, but instead use their company appraiser for a better estimate.
Make sure the right insurance coverage is met in your policies. Before you sign anything, make sure certain requirements are met. Check if you can use your appraiser or is that service offered by the insurer. Know the requirements for loss and theft evidence acceptance. Get to know if the missing jewellery will be replaced with a duplicate, or repaid with a written check. Check who covers the travelling losses. And most importantly, see if your policy will only cover theft or will it cover damage and loss due to disasters as well.
Whichever policy you go for, you’ll certainly sleep easier with a calm mind that has one less thing to worry about. These items are usually small and as such they are often misplaced or easily stolen.
If you ever owned a piece of jewellery, chances are, it got scuffed or cracked at one point while in your possession. But it doesn’t have to be this way. With great care your pieces of jewellery can look as good as it did the day you got it. Taking the following steps will ensure a long life for your bling.
Exposure to cleaning chemicals can ruin the polish, so take your jewellery off when performing day to day tasks. Kitchen work, gardening and cleaning are a nightmare for your hands. Removing your jewellery while performing your daily chores will make sure no damages occur on the piece itself.
Be sure to put on your jewellery after applying makeup. Hairsprays and lotions contain substances that damage your metal and jewels. Make your life easier by putting on cosmetics in the right order.
Do not wear jewellery in swimming pools and spas. Structural damage and colour changes may occur when exposed to water chlorination. Swimming in such water can greatly damage your jewellery. The same can be said for regular bathing because soap can cause film to accumulate, ruining a nice finish with a dingy and dirty look.
A great way to avoid damaging jewellery is to take it off while engaging in sport activities. Safety hazards aside, stronger impact can damage the shape of jewellery. Therefore be smart and remove any unnecessary accessories before you go out on the field.
If by any chance, you weren’t aware of these precautions, it’s strongly advised to inspect your pieces for any cracks and structural damage. Don’t be hasty with repairs and leave it to the professionals. Handing cracked jewellery the wrong way might increase the damage tenfold. Just set aside any damaged pieces and take it to an expert later. Make sure your fabulous jewellery stays that way.