Wear your Jewellery anywhere

Enjoy wearing your jewellery wherever you are. Protected against loss and damage you can focus on looking your best and stop worrying about your investment Insure your precious pieces and be safe worldwide.

Express your style

Luxury jewellery is an art form and is crafted to be admired. We understand you want to wear it and enjoy it without the frustration of long insurance processes.

Kovernow puts you in control

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Fully Digital Process & Flexible Runtimes

Kovernow offers a door-to-door insurance service, from pricing to policy purchase and claims. Within our App you manage your policies anytime and anywhere. The minimum runtime is only 30 days. After this period you can either extend for another 30 days or cancel. 

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Transparent & Instant Quote

Just add some basic information on your jewellery and we will provide an instant premium quote. Your premium will be updated monthly based on the latest valuation of your jewellery, so you will always be insured for the right amount. In the case of questions our customer service is there for you.

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Global Protection against Loss and Damage

Our Policies (underwritten by QBE Singapore) cover both loss and damage – globally. For your damaged jewellery you will be reimbursed for the repair cost, for lost jewelleries you will be paid the agreed value. All claims are done within the app and after approval by our insurance partners you will get instantly re-imbursed.

Protect your luxury jewellery quickly and easily with Kovernow

Upload your jewellery item

Select your jewellery item from our luxury jewellery database to get the most accurate valuation and data.


Get your insurance quote

Your monthly quote is based on your jewellery’s current market valuation. That way you will never be over- or underinsured.

Purchase Kover

Simply pay the policy and it will automatically renew every month. Your jewellery is now protected and you can cancel anytime.

Making a claim has never been simpler.

You may conveniently claim through our in-app claims module. All we require is a description of events that transpired and possibly supporting documents which you can upload via the app.

Your policy reprices every 30 days to adjust to market value. You can cancel it at any point in time if you no longer need coverage.

What do we insure?

We insure against loss and damage caused by events that involve you. So if you drop your jewellery by accident and it gets damaged, we take care of the cost of repair or replacement. In the unfortunate event that your jewellery is stolen, you will receive the actual value stated in the Vault.

In contrast to a warranty, which covers your jewellery for manufacturing defects, we cover events that involve you. Home contents cover is limited to your home and is not all risk. These home policies typically come with deductibles and caps on value of personal effects.

Home Insurance
Global Cover
No Appraisal
No Deductibles
Mechanical Failure
Only at home + Deductible
& Cap
Not always
if jewellery is more than cap
Example Pricing Table
Jewellery Model Value (SGD) Monthly Premium (SGD)
Bulgari B.zero1 Bracelet 2,970 15.18
BP DE Silva Deco Pop Aquamarine Studs 4,800 24.21
Tiffany Embrace Band Ring - (0.91 Carat) 8,500 42.56
Chanel Eternal No.5 Transformable Earrings (18K white gold/diamonds) 16,200 80.58
Cartier Agrave Necklace (White gold diamonds) 28,600 141.83
Memberships & Certifications & Insurance Partners

Our jewellery insurances are underwritten by QBE Singapore. For customer identification (KYC) we use SingPass. This cooperation allows the secure capture of customer-specific data. Furthermore, KoverNow is SFA certified and subject to their regulations.

Insurance that
puts you first.

Download the KoverNow App to protect your jewellery today.