Frequently asked questions

How do I insure my items?

Step 1.

Check whether your current valuation/s are more than 12-18 months old. If they are, you will need to obtain a current valuation on items you would like to insure.

Step 2.

Search for a store that can assist you with insuring your item on our ‘Find a store‘ page.

Step 3.

Take your item/s and valuation certificates to the nominated store. The application form will be completed by the store manager.

Step 4.

The store will forward the completed application form to The Valuation Centre of Australia and a policy will be set up. Cover commences from date of premium payment for a period of 12 months. For a sample policy document please click (Front Page) (Back Page).

What does the insurance cover?

Your items will be covered against loss, theft or damage WORLD WIDE. There is no need for additional travel insurance.

Will I be covered against accidental damage?


What am I not covered for?

Wear & tear
Gradual deterioration
Rust, corrosion or any gradual process
Mildew, mould or algae
Lawful seizure, confiscation or requisition
Mechanical or electrical breakdown

What will the insurance cost me?

Please contact the nominated store or The Valuation Centre to discuss the premium charges.

Is there a cooling-off period?

Yes, you may cancel your policy within 21 days from the date the policy commenced. Simply contact The Valuation Centre to discuss this.

Is there a claim lodgement fee?

Yes, $50.00 (per claim, per policy)

Will I get a “cash back” as claim settlement?

No, the cover is for the replacement of goods only, to the insured value.

Is there a limit to what I can insure?

The policy excludes single items of jewellery valued at no more than $30,000, as well as multiple items valued at no more than $60,000, whether or not the multiple items are on the same valuation or not. This can be discussed with your jeweller or The Valuation Centre.

Can I add items to an existing policy?

Items can be added at the time of a policy’s renewal. Please contact The Valuation Centre to arrange this.

Will you cover loose stones?

No- all stones must be set into a piece of jewellery.

What do I need to do if I lose my insured item?

Simply call The Valuation Centre on Toll Free 1800 111 119 or (02) 9419 7908 and the staff will assist you. The same applies for items requiring repairs.

Where can I access the Product Disclosure Brochure for more information?

Please click here

What can I do if I am unhappy with a claim or some other aspect of the insurance cover?

We will do everything possible to provide a quality service to you. If you have a complaint about our services, you should, in the first instance, contact us on our Member Services number 1800 111 119. If you have a complaint about service provided to you by Steadfast IRS they have a Complaints and Dispute resolution policy which undertakes to respond to your complaint within 15 working days, provided they have all necessary information and have completed any investigation required. Where further information, assessment or investigation is required, they will agree to reasonable alternative time frames with you. You will be kept informed of the progress of your complaint. To enable review of your complaint by Steadfast IRS please contact the Complaints Manager on (02) 9034 5555 or put your complaint in writing to: Complaints Manager, Steadfast IRS Pty Limited, PO Box 125, North Ryde BC 1670. Steadfast IRS is a member of the Financial Ombudsman Services (FOS). If your complaint cannot be resolved to your satisfaction by Steadfast IRS they will forward the matter to QBE (the underwriter) for a decision.








The Valuation Centre of Australia is a Corporate Authorised Representative, (number 243360) of Steadfast IRS Pty Limited, AFSL 435538, ABN 95 159 898 398; ACN 159 898 398, a licensed insurance broker acting as agent for QBE Insurance (Australia) Limited, AFSL 239545, ABN 78 003 191 035.
This information has not taken into account any of your particular objectives, financial situation or needs. For this reason, before you act on our advice, you should consider the appropriateness of the advice, taking into account your own objectives, financial situation and needs. Before making any decision about whether to acquire the policy, you should obtain and read the Product Disclosure Statement.