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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.

Is insuring your jewellery a hassle?

Hours of talking to salespeople, dozens of different forms to fill, opaque pricing with inflexible long contracts are making you confused and frustrated. Don’t let the joy of owning luxury jewellery be tainted with paperwork -You should have control over this.

Kovernow puts you in control

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Fully Digital Process

Kovernow offers a door-to-door insurance service, from pricing to policy purchase and claims. Do it completely digitally on our mobile app.

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Transparent & Instant Quote

Just add some basic information on your watch and we will provide an instant premium quote. Your premium will be updated monthly based on the latest valuation of your watch, so you will always be insured for the right amount.

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Protection for Loss and Damage

Our Policies (underwritten by QBE Singapore) cover both loss and damage. For your damaged watch you will be reimbursed for the repair cost, for lost watches you will be paid the agreed value.

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.

With Kovernow:
  • A database of jewellery prices (updated daily!) for accurate valuation points
  • All processes are completely digital
  • In-app support

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.

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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.

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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 10.21
BP DE Silva Deco Pop Aquamarine Studs 4,800 16.18
Tiffany Embrace Band Ring - (0.91 Carat) 8,500 28.26
Chanel Eternal No.5 Transformable Earrings (18K white gold/diamonds) 16,200 53.39
Cartier Agrave Necklace (White gold diamonds) 28,600 93.87

Whether you are a luxury jewellery collector or looking to protect your precious wedding ring, we are here to help.

Most homeowners’ policies are designed to protect your home contents only and typically exclude or limit luxury jewellery coverage. So, if your jewellery costs more than the coverage limits, you will not be able to fully recover any loss.

KoverNow Digital Insurance, underwritten by QBE, provides “all-risk” cover for most cases of loss (no deductible) and damage so that you can protect your luxury jewellery easily and experience the joy of wearing them wherever you are.

Memberships & Certifications & Insurance Partners

Insurance that
puts you first.

Download the KoverNow App to protect your jewellery today.

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