Gold and diamond jewellery is often a family's most treasured — and most valuable — possession. Jewellery insurance protects it against theft, burglary, accidental loss, and damage, so a single bad day never means losing something irreplaceable.
Get compensated for jewellery stolen from your home, locker, or while travelling.
Covers loss or damage from fire, accidents, and other unforeseen events.
Insure based on certified valuation with a straightforward, well-documented claims process.
Jewellery insurance is a specialised policy that protects your gold, diamond, and precious-stone jewellery against theft, burglary, accidental loss, and damage — whether it's kept at home, in a bank locker, or worn while travelling.
Most standard home insurance policies cap jewellery coverage at a small fraction of its real value. A dedicated jewellery insurance policy, or a valuable-items add-on, lets you insure pieces at their full certified value, so a claim actually reflects what they're worth.
CoreLink Finance helps you choose the right sum insured, documentation, and cover type — whether that's an all-risk policy, theft-only cover, or a named-peril plan — based on how and where you store and wear your jewellery.
Protection against jewellery stolen from your home, vehicle, or a bank locker.
Compensation if a piece is accidentally lost — for example, while travelling or at an event.
Covers damage from fire, natural calamities, and other insured accidental events.
Insure jewellery at its certified market value, not a capped sub-limit buried in a home policy.
Many policies extend cover to jewellery worn or carried while travelling abroad.
Insure specific high-value pieces individually, or your full collection under one sum insured.
A certified valuation and recent photographs are usually all that is needed to get covered.
A clear claims process backed by your valuation certificate and purchase documents.
| Jewellery Value | Cover Type | Approx. Annual Premium |
|---|---|---|
| ₹5 Lakhs | All-Risk Cover | ≈ ₹2,500 – ₹4,000 |
| ₹10 Lakhs | All-Risk Cover | ≈ ₹5,000 – ₹8,000 |
| ₹25 Lakhs | All-Risk Cover | ≈ ₹12,500 – ₹20,000 |
*Illustrative figures only — actual premiums depend on jewellery type, storage, security measures, location, and the insurer's underwriting.
At CoreLink Finance, we don't just help you buy a policy — we actively support you through the claim process by coordinating with the insurer, guiding documentation, and following up for a smooth experience.
We help you choose the right insurer and policy based on claim settlement ratio, reliability, and your profile.
Before policy issuance, we ensure all your personal, financial, and medical details are accurate and properly declared.
We guide you in filling out proposal forms correctly, so no hidden or incorrect information gets submitted.
In case of a claim, you get a personal claim expert who handles the process — from documentation to settlement.
We actively coordinate and follow up with insurers to ensure quick and smooth claim processing.
Our team checks all documents before submission to avoid technical errors that often lead to delays or rejection.
Follow these steps to make sure your jewellery is properly protected.
Have your jewellery appraised by a certified valuer to establish its current market value.
Keep clear photographs of major pieces along with purchase bills, if available.
Decide between all-risk cover, theft-only cover, or a named-peril policy based on your needs.
Be upfront about where jewellery is stored — home, locker, or safe — as this affects premium and terms.
Update your cover as you add new pieces or as gold and diamond prices rise.
Store your valuation certificate and policy documents safely for a smooth claims process.
Jewellery insurance suits anyone holding valuable pieces at home or in a locker. Consider this if you:
Own wedding or heirloom jewellery of significant value
Keep jewellery at home rather than only in a bank locker
Travel with jewellery for weddings, events, or vacations
Have added high-value pieces that exceed your home insurance jewellery sub-limit
Want to protect family jewellery passed down across generations
Want peace of mind against theft, loss, or accidental damage
Talk to CoreLink Finance for honest, no-obligation guidance on insuring your jewellery.
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