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  • getting married 1
    Getting Married? Check Out India’s Top 10 Wedding Planners for 2025
    Let’s be real — Indian weddings are magical, but planning one can feel like a marathon. Between venues, guest lists, and endless opinions from family, it’s easy to get overwhelmed. […]
  • car rentals 1
    3 Essential Things to Know Before Booking Luxury Car Rental Services in Atlanta
    Booking an exotic car to explore Atlanta like a celebrity is a valuable investment. However, the experience depends on where you make your reservation and the type of premium ride […]
  • jewellery
    Why jewellery protection is an overlooked financial safeguard
    Many of us own items of jewellery that hold deep personal meaning. An engagement ring, a watch passed down through generations, or a necklace from a special occasion all carry sentimental value that is impossible to replace. Beyond the memories they represent, these items often have a significant financial worth. The thought of losing such a piece to theft, damage, or simple accident can be distressing. While the emotional loss is one thing, the financial impact is another. Many people assume their standard home insurance policy provides enough cover for their valuables. In reality, this is often not the case, leaving a surprising gap in financial protection. Understanding how insurance treats jewellery is the first step towards making sure your treasured items are properly covered. Why your home policy might not be enough Most standard home contents insurance policies do provide some cover for personal belongings, including jewellery. However, these policies almost always include a ‘single item limit’. This is the maximum amount the insurer will pay out for any one item that is lost, stolen, or damaged. This limit can be as low as €1,500, depending on the policy. Citizens Information guidance explains how single item limits work. This creates an obvious problem if you own anything more valuable. Imagine an engagement ring worth €6,000 is stolen during a burglary. If the single item limit on your home insurance is €1,500, that is the most you would receive from a claim. You would be left to find the remaining €4,500 yourself to replace a ring of similar value. This is a substantial and often unexpected expense that many households are not prepared for. How to secure proper cover for valuables The solution is to list more expensive items separately on your insurance policy. This is often called ‘specifying an item’. By providing your insurer with details of a particular piece of jewellery and its value, you can have it covered for its full worth. This removes the restriction of the standard single item limit for that piece. Specifying items often provides a higher level of cover, sometimes called ‘all-risks’ protection. This can protect your jewellery not just inside your home but also against accidental loss or damage when you are out and about. This type of cover is particularly useful for items you wear every day, like a watch or wedding ring, as they are more exposed to potential incidents outside the home. Getting an accurate valuation Before you can specify an item, your insurer will need proof of its value. For new items, a recent receipt may be enough. For heirlooms or pieces you have owned for some time, a professional valuation is usually required. A qualified valuer will examine your jewellery and provide a formal document that details its characteristics and replacement value. This report gives the insurer a clear and independent assessment of what it would cost to replace the item. It is also a good idea to keep photographs of your valuable pieces along with any original receipts or certificates you may have. Because the price of gold, platinum, and gemstones can change over time, getting an updated valuation every few years is a sensible practice to ensure your cover remains adequate. A practical look at making a claim Consider a simple scenario. A woman named Sarah is getting ready for an evening out and realises one of her diamond earrings is missing. She bought the pair for €4,000 a few years ago and had them specified on her home insurance policy. After searching everywhere without success, she contacts her insurer. She reports the loss and provides the documentation, including the valuation report she submitted when taking out the cover. The insurer assesses her claim. Because finding a single earring that is a perfect match for the remaining one is often impossible, the policy may cover the cost of replacing the entire pair. Without specified cover, Sarah’s loss might have been capped at her policy’s single item limit, leaving her unable to replace the set. Thinking about your own collection Your jewellery represents more than just its monetary value, but protecting that value is a smart financial decision. It is easy to underestimate the total worth of your collection and assume your standard home insurance is sufficient. Taking stock of your valuable items and checking the single item limit on your policy is a worthwhile exercise. For pieces that exceed this limit, arranging specific cover provides peace of mind. Taking the time to understand the specifics of jewellery protection can prevent future financial distress. With the right cover in place, you can enjoy wearing your favourite pieces, knowing they are financially protected against the unexpected.
  • lash lift
    How to Choose Home Service Lash Lift in Dubai For a Wedding Event
    Home lash lifts in Dubai are becoming a go-to beauty choice for brides and wedding guests alike. With the convenience of flexible scheduling and salon-quality results delivered at your doorstep, […]
  • Kerala Honeymoon
    Why Thrillophilia’s Kerala Honeymoon Packages Are Winning Over Travellers
    Honeymoons are more than just vacations—they are the first chapter in a couple’s shared story. Choosing the right destination and the right partner to plan it often sets the tone […]
  • tiaraa 1
    Tiaraa in Jim Corbett Redefines Luxury Amidst Nature’s Glory
    I didn’t realize how much I needed a break until I stepped into Tiaraa. Jim Corbett had always been on my list, but in my mind, it was only about […]
  • italy 1
    Italy for Lovers: Cities, Resorts, and Islands to Experience as a Couple
    Italy has always been a place where romance feels effortless. From cities with centuries-old charm to islands where the sea sparkles at sunset, this is a country where time slows […]
  • furniture 1
    A Complete Guide to Choosing the Right Furniture for Weddings
    When planning a wedding, every detail matters from the elegant floral arrangements to the carefully selected furniture. Among all the décor choices, furniture is not just functional; it plays a […]
  • re
    AI in Fast Food Kiosks: A Glimpse Into the Next Generation of Quick Service
    It’s Friday night, and you’re hungry. You stroll into your favourite burger joint, tap a screen, speak your order aloud, and by the time you finish paying, the kitchen’s already […]
  • house edge 1
    Understanding the House Edge & Calculating Odds
    How can you calculate your potential casino payouts? The RTP rate is always expressed as a percentage. To clarify, let’s look at an example. Online roulette games have an average […]

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