Jewellery can be a very important, and expensive, part of your life.  It could signify a special event such as your engagement and marriage, a gift received from a loved one or that special piece that is handed down from generation to generation.  Your jewellery is more than something that you wear it is a priceless memory of a special time or person in your life. 

While jewellery can be included as part of your general home & contents insurance policy, it is common for such policies to have limits around jewellery and to not provide appropriate coverage in the unfortunate event that any of your prized possessions are stolen, lost or damaged. 

But don’t let that worry you, Expat Insurance can arrange specific policies to cover those prized possessions. 

We can help you to cover most causes of loss, like a broken link in your bracelet, damage to your watch face or your engagement ring that goes missing while on a trip – all with no deductible. Let us help protect the very special things you’ve acquired over the years.

Some of the benefits we can help arrange for you: 

  • The market value of each piece of fine jewellery in your collection is determined from the start. In the event of a total covered loss, you will receive 100% of the insured value, with no excess or depreciation. 

  • Worldwide cover for physical loss or damage to your jewellery no matter where you go or how long you stay. 

  • Option to receive cash settlement in the event of irreparable damage or loss to your jewellery. 

  • If one piece of a pair or set is lost or damaged beyond repair, you can simply choose to hand in the remaining piece(s) and we will pay the full replacement cost for the entire pair or set. 

  • If an itemised piece is damaged, we will not only pay to repair it, but also compensate for any loss in market value as a result of the damage. 

  • Immediate cover for newly purchased jewellery within 90 days notification, up to 25% of the existing itemised amount, subject to a maximum of $100,000. 


Firstly, congratulations on your engagement. With its significance and cost, it is undoubtedly essential to protect one of the most important life purchases you will make. It is estimated that the average cost for an engagement ring in Singapore is $6,000 – $10,000. That is more than the average monthly wage here, so it’s fair to say that the decision to insure your engagement ring is a wise choice. An engagement ring also signifies a massive emotional commitment, so it is important that these investments – both financial and emotional – are protected by engagement ring insurance while you are here in Singapore. If you have any questions about our insurance plans, do give us a call today and have a chat with one of our experts. They have in-depth knowledge about all things diamonds, gems and jewellery – so you can rest assured that your precious ring will be well insured! 

We also provide worldwide coverage for both theft and unexplained or accidental loss of engagement rings. However, do note that you can only purchase an insurance that covers your engagement ring specifically if you own a comprehensive home and contents insurance policy with another provider or with us.


Whether it’s a Hublot, Rolex or a Bvlgari, it could be an Audemars or even a Roger Dubuis, whatever the brand it won’t be covered by a standard home and contents policy.  If you owe it to yourself to own a special piece like this, you owe it to yourself to protect it from loss or damage.


Get in touch with us today, and let us help you identify the plans that are best suited to you to cover one of the most significant pieces that you will ever own – your engagement ring insurance. If you already have a comprehensive policy, reach out to our expert team to discuss how we can assist you with other areas such as outpatient insurance plans, pregnancy insurance, hospitalisation insurance for foreigners & life insurance and protection plans in Singapore.

Being compensated by the insurance companies directly gives us the benefit of offering free coverage reviews and advice. The premiums we quote are the same as those offered by Insurance Companies to direct buyers, which means we offer the lowest rates. Likewise, leveraging our network of renowned insurers allows us to negotiate better terms and conditions for your Home Contents and Valuables Insurance!


When it comes to jewellery insurance, the amount you pay to insure your engagement ring will largely depend on the value of your engagement ring. After determining its value, our experienced team can give you a more accurate gauge of what it costs to insure your ring.

Ensure that your engagement ring insurance in Singapore offers coverage for any damages, thefts, losses and mysterious disappearances of engagement rings. The coverage should provide an all-risk protection plan that covers any peril not specifically excluded in the policy. Engagement rings should also be covered regardless of where you are located, including during times of travel. 

Engagement rings come with a high price tag, and many couples want the peace of mind that comes from protecting those investments. In Singapore, engagement ring insurance offers just that – it provides an extra layer of coverage in case anything bad happens to your engagement ring. Engagement ring insurance in Singapore can cover any losses related to theft, accidental damage or even natural disasters, protecting your engagement ring’s value in the long run. 

When you buy engagement ring insurance in Singapore, there are some things that are not included. These things include if the ring is broken because it was made wrong, if you break it on purpose, if it gets worn out from using it, or if there is a war. You will also have to pay for yourself if you need to get the ring cleaned, fixed to be a different size, or appraised.


Get in touch with us and have a talk about insuring one of your most important investments by calling +65 3110 3220 or by leaving your details below! We’d love to help!