TL;DR: when a ring made in the UK arrives in New Zealand, insure it from the day it arrives. Delivery is insured and tracked with FedEx, but your own cover starts when the ring is yours to protect. Some people list the ring as a specified item on a contents policy and others use a separate jewellery policy, so compare what each covers and keep your documents together. We are jewellers, not insurers, so check the terms with your provider. Pieces start from £600.
Why insure straight away
An engagement ring is small, valuable and worn every day, which makes loss and damage more likely than for most possessions. Do not wait until after the proposal, because the ring is at risk from the moment it arrives, including while it is hidden at home.
Two common routes
In New Zealand, some people add the ring as a specified item on a contents policy, while others buy separate jewellery cover. Policies differ in what they cover, such as accidental loss, theft away from home and damage, and in whether a replacement or a cash sum is paid. Ask each provider how a claim works and what is excluded, and read the terms. We cannot recommend a provider or advise on policy terms.
What your insurer will want to see
Insurers commonly ask for an invoice, a description of the ring, photographs and often a valuation. Keep your invoice, your written design approval and any stone report in one folder. Our guide to reading your invoice and certificate explains what each document shows. Ask us if you need anything described more clearly for your insurer.
Active outdoor life
Many people in New Zealand spend time hiking, swimming, gardening and working with their hands. Rings catch on things and slip off in cold water. Take the ring off for heavy or messy work, and check whether your policy covers loss outdoors. Our guide to ring care checklist by season offers practical habits for every time of year.
Photographs
Take clear photographs in daylight from several angles on the day the ring arrives, including the inside of the band if it is engraved. Keep copies somewhere other than your phone, since they help with a claim.
If you ever need to claim
Act quickly and keep a record of what happens. Report a loss or theft to your insurer as soon as you can, follow their instructions, and give them your invoice, photographs and any report. If a stone has come loose or the ring is damaged, stop wearing it and keep every piece. Tell us too, because we can describe the ring accurately to help with a replacement or repair quote.
Delivery and customs
The customer pays import duty and tax, which differ by country, and we explain what to expect before you order. Keep any customs paperwork with your invoice, since it can help support the value of the ring if you ever need to claim. Our guide to New Zealand GST on a ring bought from the UK covers the tax side.
Valuations change
The cost of replacing a ring can change over time, so review your cover every year or two and update the value if needed. A regular check of the claws and setting is also sensible.
Questions to ask your insurer
- Does the policy cover loss, theft and accidental damage?
- Is the ring covered away from home and when travelling?
- What documents do I need to keep?
- How is a claim settled?
Frequently asked questions
When should I insure a ring from the UK?
As soon as it arrives. Delivery to you is insured and tracked with FedEx.
What documents do I need?
Usually your invoice, photographs and any stone report.
Can you recommend an insurer?
No. We are jewellers, not insurers, so compare providers and read the terms.
How often should I review my cover?
Every year or two, or when the cost of replacing the ring changes.