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Applying for Ringo Jewellery Insurance is quick and easy to do! You can get a quote and apply for a policy on our website by clicking here.
The process involves answering some questions, uploading a few photos and documents for your jewellery, and then paying the premium after we have accepted your application.
Deciding how much to insure your jewellery for is an important decision. Underinsuring your jewellery may result in you having to contribute to a claim to repair your jewellery or replace it on a like-for-like basis. Alternatively, over insuring your jewellery may result in you paying more for your insurance for cover you do not need.
Insuring your jewellery for its retail replacement cost can help to reduce the risk of underinsurance. The retail replacement cost is the cost your jeweller would charge to replace your jewellery with a like-for-like item. This could be the purchase price of the jewellery (if it is a new item) or the amount listed in the valuation certificate for your jewellery (if its has been gifted to or inherited by you, or is an older item).
We do require some documents from you so that we can understand the specifics of your jewellery.
These documents include:
Yes! You can take out a policy for a ring you plan on giving your partner.
You can choose to add your partner’s name to the policy at a later date allowing them to call or email to make changes to the policy.
You will be asked to disclose all jewellery related insurance claims you or anyone to be insured under the policy has made in the past 3 years. As part of your duty to take reasonable care not to make a misrepresentation, you must answer this question truthfully and accurately. Depending on your claim history, we may refuse to offer you a policy.
It is possible to pay the premium for your policy by an annual payment or monthly instalments. It does work out cheaper to pay the premium for your policy by annual payment.
You can receive an instant quote on our website by clicking here.
At Ringo we are committed to ensuring that your billing details are stored securely.
At this point in time we can only accept payment via debit and credit card.
If you are experiencing difficulties submitting an application, we are here to help!
Firstly, please double check that the information entered is correct and all required fields are complete. If you still require assistance please contact the Ringo team at contact@ringoinsurance.com.au or by calling us on 1300 359 816.
You wear your jewellery everywhere and every day so it’s important to have the most comprehensive cover.
At Ringo we know you want to enjoy your jewellery by wearing it everywhere and every day. We specialise in jewellery insurance, it’s all we do, so we’ve come up with a policy to provide comprehensive coverage that you need, to enjoy your jewellery every day.
Home & Contents insurance is generally designed to cover the contents of your home while they are at your home. There may also be limits on the amount of cover for jewellery items unless you have paid to specify these items. Ringo Jewellery Insurance is designed to cover your jewellery up to the insured value you have chosen irrespective of whether it is at your home or out and about with you.
You wear your jewellery everywhere and every day, so it is important to make sure you are comprehensively covered regardless of how much you travel.
Insuring with Ringo is the best way to protect your jewellery for accidental damage, loss and theft, both in and out of the home.
A full list of our policy features can be found on our website by clicking on here.
Ringo Jewellery Insurance was created to meet a need in the market for choice and maximum protection for people’s most precious jewellery. We believe wearing your jewellery should make your life more wonderful, not stressful. It’s our mission to take the stress away!
We understand that jewellery means more to people than just its material value. Jewellery is a celebration of a moment in time. It’s a representation of what we hold most dear – our love and precious memories.
Our philosophy is to provide maximum protection for your jewellery with a policy that is simple and transparent. Jewellery is made to be worn, no matter where you are or what you’re doing!
We offer insurance tailored specifically for jewellery.
Types of items we insure include all types of rings (including engagement rings and wedding bands), earrings, necklaces, pendants, bracelets, bangles, pearl pieces, brooches, and loose stones.
Unfortunately, there are some items we cannot cover. These items include men’s gold chains, bangles and watches.
Yes! You can take out a policy for a ring you plan on giving your partner.
You can choose to add your partner’s name to the policy at a later date allowing them to call or email to make changes to the policy.
Applying for Ringo Jewellery Insurance is quick and easy to do! You can get a quote and apply for a policy on our website by clicking here. The process involves answering some questions, uploading a few photos and documents for your jewellery, and then paying the premium after we have verified your application.
You can return your policy after it begins, or after renewal for another period of cover, within 14 days of the policy starting. This is the cooling-off period. As long as you have not made a claim, we will refund in full the money you have paid. There is no cancellation fee when you return your policy under the cooling-off period.
Outside of the cooling-off period, you may cancel your policy at anytime. If you have paid the premium for your policy by an annual payment, you will receive a refund of 90% of the unexpired portion of the premium less any non-refundable government charges. If you have paid the premium for your policy by monthly instalments, you will not receive a refund of any instalments already paid.
Your Ringo policy provides 12 months cover for your jewellery. Before your policy expires, we will send you a notice to tell you whether we will offer to renew your policy.
We understand that life is busy, and it can be hard to keep on top of life administration. To ensure you have continued protection of your jewellery, if we offer renewal your policy will automatically renew by charging the payment method you have most recently told us about. You can contact us to request your policy not be renewed.
At Ringo, we do not compromise on quality when it comes to repairing or replacing your jewellery.
We know that time and craftsmanship has gone into making your precious jewellery. This is why when we cover a claim under your policy, you can return to your preferred jeweller for repair or replacement of your jewellery.
For information regarding policy exclusions, please read the Combined Product Disclosure Statement and Financial Services Guide listed on our website here.
We understand that life is busy and sometimes staying on top of life admin can be challenging. If you miss a monthly instalment payment, you will receive an email from us and we will try to debit the premium the following day.
We can cancel your policy without notifying you in advance when an instalment is one (1) month or more overdue.
Unless you cancel your arrangement for paying your premium or you let us know before expiry of your policy that you do not want it to renew, we will charge the renewal premium to the payment card you have nominated to automatically renew your policy to keep you covered. You can also pay your renewal early via the link in your renewal notice or calling us on 1300 359 816.
If your coverage has lapsed it is still possible to renew your policy, however, you will not be covered during the lapsed period.
To renew your policy please contact us at contact@ringoinsurance.com.au or call us on 1300 359 816.
You will need to provide us with your residential address in Australia when you apply for Ringo Jewellery Insurance.
If you move or travel outside of Australia during the period of insurance, your policy will remain in force for the remainder of the period of insurance.
At renewal, you must provide us with your residential address in Australia. If you cannot do this, we will not be able to offer to renew your policy.
You can return your policy after it begins, or after renewal for another period of cover, within 14 days of the policy starting. This is the cooling-off period. As long as you have not made a claim, we will refund in full the money you have paid. There is no cancellation fee when you return your policy under the cooling-off period.
Outside of the cooling-off period, you may cancel your policy at anytime. If you have paid the premium for your policy by an annual payment, you will receive a refund of 90% of the unexpired portion of the premium less any non-refundable government charges. If you have paid the premium for your policy by monthly instalments, you will not receive a refund of any instalments already paid.
You can cancel your policy by contacting us at contact@ringoinsurance.com.au or 1300 359 816.
We know that when you need to make a claim this is when you need us most. This why we have kept our claims process as simple as possible.
If you need to make a claim, you can do this by:
We will be in contact with you to let you know what additional documents or information the insurer requires to assess your claim.
All payments to repair or replace your jewellery are made directly to your preferred jeweller. We do not cash settle claims.
At Ringo, we do not compromise on quality when it comes to repairing or replacing your jewellery.
We know that time and craftsmanship has gone into making your precious jewellery. This is why when we cover a claim under your policy, you can return to your preferred jeweller for repair or replacement of your jewellery.
Your Ringo policy provides 12 months cover for your jewellery. Before your policy expires, we will send you a notice to tell you whether we will offer to renew your policy.
We understand that life is busy, and it can be hard to keep on top of life administration. To ensure you have continued protection of your jewellery, if we offer renewal your policy will automatically renew by charging the payment method you have most recently told us about. You can contact us to request your policy not be renewed.
We know that when you need to make a claim this is when you need us most. This why we have kept our claims process as simple as possible.
If you need to make a claim, you can do this by:
We will be in contact with you to let you know what additional documents or information the insurer requires to assess your claim.
All payments to repair or replace your jewellery are made directly to your preferred jeweller. We do not cash settle claims.
If you are interested in partnering with Ringo, we would love to hear from you!
Please contact us via email at contact@ringoinsurance.com.au or call us on 1300 359 816 to discuss our referral program and how we can benefit your customers.