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Explore Q Report's Content Centre for expert advice on jewellery insurance. You can also read e-guides and blogs, watch videos and more.

Explore Q Report's Content Centre for expert advice on jewellery insurance. You can also read e-guides and blogs, watch videos and more.

Jewellery, engagement ring & watch advice, plus insurance tips & industry insights. 

Watch expert tips, discover insurance benefits & hear real customer stories. 

Find answers to common questions about jewellery, engagement ring & watch insurance. 

Click here to access important policy documents - Product Disclosure Statement, Financial Services Guide, and Policy Wording.

Click here to access the Target Market Determination (TMD) document.

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6 Questions to Consider Before Proposing with a Family Heirloom Ring

Q Report Team

Updated on March 18, 2025
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There’s something indisputably romantic about proposing with a family heirloom ring. You start your future with a friendly nod to the past, and you’ll please your family by carrying on time-tested traditions. Even the royals have a preference for using heirloom wedding rings; Princes William and Harry both used jewels from their mother’s collection when proposing.

Not everyone is fortunate enough to have an heirloom ring in their family. If you are, your process may look different than someone who goes the usual route of purchasing a brand new ring from a jewellery store. So before you brush off Great-Aunt Betty’s heirloom ring, consider these six essential questions.

Can you picture her wearing it?

Your grandmother may be thrilled that you want to propose with her mother’s ring, but does your girlfriend feels the same way? Some women have their hearts set on a new modern style they’ve seen on Pinterest, or they may be less excited about a vintage piece.

If your significant other has a sense of history and loves vintage items, however, your heirloom ring might be the perfect ring for her. Get to know her taste in jewellery. You might go as far as showing her the ring and watching her reaction to it. If she gasps and reaches for it, you’re gold.

How does your family feel?

You may have known about the family heirloom ring for years. But until your grandfather pulls it out of storage and hands it to you, don’t count on proposing with it. It may have been promised to your sister or aunt, or your brother might be planning on proposing with it himself. You won’t know until you ask.

Receive explicit permission before you make any plans. If the ring has already been designated for someone else’s use, ask about other options. There might be other heirloom rings or jewellery in the family that you could use for your proposal.

Is it the right size?

In many cases, family heirloom rings are too small for modern fingers. The chances are good that Great-grandmother Elizabeth’s ring won’t fit your fiance. Avoid an embarrassing situation by having the ring sized before your proposal.

If you’re not sure your girlfriend’s size, use one of these tips or try our ring sizer. Your future bride will want to show off her engagement ring right away, so take care of the trip to the jeweller ahead of time.

Is it clean?

If your heirloom ring has been in storage or mom’s closet for some time, it’s probably dusty and maybe even a bit tarnished. Restore it to its natural beauty by taking it to a professional jeweller for a thorough cleaning. While your ring is with the jeweller for resizing, ask the jeweller to give it some extra polishing to bring out its sparkle.

While it’s with the jeweller, have it checked for wear and tear. If the setting has any loose prongs or knicks, take care of the repairs now. Damaged settings can lead to the loss of that precious stone.

How will you propose?

If you want to capitalise on the romance of your family heirloom ring, incorporate its story into your proposal. Weave in some of its history, the romances it has marked and the people who have worn it.

If you’re not sure about the ring’s stories, ask your mother or grandmother or whoever last owned it. Treasure your family’s history by carrying it forward into the future.

Is it insured?

Clearly, an heirloom ring carries significant value beyond the price of its metal and gemstones. If something should happen to it, can you repair or replace it? 

With Q Report jewellery insurance, your family heirloom ring will be fully covered, even when you’re travelling internationally. If the unexpected happens, you’ll be able to return to your family jeweller for restoration.

 

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Purchase Amount

To get an accurate insurance quote, please provide the amount from your purchase receipt.

Don't have the receipt?

If you don't have the receipt, you can provide the most recent valuation amount instead.

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Related Posts
Featured Posts
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Jewellery Insurance

Instant Quote
play-audio
Listen to article
/

There’s something indisputably romantic about proposing with a family heirloom ring. You start your future with a friendly nod to the past, and you’ll please your family by carrying on time-tested traditions. Even the royals have a preference for using heirloom wedding rings; Princes William and Harry both used jewels from their mother’s collection when proposing.

Not everyone is fortunate enough to have an heirloom ring in their family. If you are, your process may look different than someone who goes the usual route of purchasing a brand new ring from a jewellery store. So before you brush off Great-Aunt Betty’s heirloom ring, consider these six essential questions.

Can you picture her wearing it?

Your grandmother may be thrilled that you want to propose with her mother’s ring, but does your girlfriend feels the same way? Some women have their hearts set on a new modern style they’ve seen on Pinterest, or they may be less excited about a vintage piece.

If your significant other has a sense of history and loves vintage items, however, your heirloom ring might be the perfect ring for her. Get to know her taste in jewellery. You might go as far as showing her the ring and watching her reaction to it. If she gasps and reaches for it, you’re gold.

How does your family feel?

You may have known about the family heirloom ring for years. But until your grandfather pulls it out of storage and hands it to you, don’t count on proposing with it. It may have been promised to your sister or aunt, or your brother might be planning on proposing with it himself. You won’t know until you ask.

Receive explicit permission before you make any plans. If the ring has already been designated for someone else’s use, ask about other options. There might be other heirloom rings or jewellery in the family that you could use for your proposal.

Is it the right size?

In many cases, family heirloom rings are too small for modern fingers. The chances are good that Great-grandmother Elizabeth’s ring won’t fit your fiance. Avoid an embarrassing situation by having the ring sized before your proposal.

If you’re not sure your girlfriend’s size, use one of these tips or try our ring sizer. Your future bride will want to show off her engagement ring right away, so take care of the trip to the jeweller ahead of time.

Is it clean?

If your heirloom ring has been in storage or mom’s closet for some time, it’s probably dusty and maybe even a bit tarnished. Restore it to its natural beauty by taking it to a professional jeweller for a thorough cleaning. While your ring is with the jeweller for resizing, ask the jeweller to give it some extra polishing to bring out its sparkle.

While it’s with the jeweller, have it checked for wear and tear. If the setting has any loose prongs or knicks, take care of the repairs now. Damaged settings can lead to the loss of that precious stone.

How will you propose?

If you want to capitalise on the romance of your family heirloom ring, incorporate its story into your proposal. Weave in some of its history, the romances it has marked and the people who have worn it.

If you’re not sure about the ring’s stories, ask your mother or grandmother or whoever last owned it. Treasure your family’s history by carrying it forward into the future.

Is it insured?

Clearly, an heirloom ring carries significant value beyond the price of its metal and gemstones. If something should happen to it, can you repair or replace it? 

With Q Report jewellery insurance, your family heirloom ring will be fully covered, even when you’re travelling internationally. If the unexpected happens, you’ll be able to return to your family jeweller for restoration.

 

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Table of Contents

Introduction
Understanding the 4 Cs of Diamonds
Diamond Shapes
Choosing a Ring Style
Selecting a Ring Retailer

Understanding Mechanical Movements

Rolex-super-precision

Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.

Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.

Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.

The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.

Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come

Luxury Watch Complications: Exploring Hidden Features & Functionality

Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.

Statistic Heading

Rolex-super-precision

Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.

Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.

Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.

The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.

Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Common Diamond Alternatives
for Engagement Rings

Tanzanite

Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.

Aquamarine

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Sapphire

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Luxury Watch Complications: Exploring Hidden Features & Functionality

Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

Peace of Mind: An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

“Knowing your engagement ring is insured brings peace of mind. Accidents can happen, and insurance coverage alleviates the worry and stress of potential loss or damage.”

Unlike their battery-powered quartz counterparts, luxury watches have a beating heart – the mechanical movement. First created in the 14th century, large, weight-driven tower clocks with verge escapements and foliot balances marked the dawn of mechanical timekeeping.

Today, the core concept of mechanical movements remains unchanged from its original conception. It involves an intricate arrangement of gears, springs, and an escapement powered by a wound mainspring. This precision engineering allows for smooth operation and precise timekeeping.

Manual watch movements require the wearer to wind the crown periodically. Automatic watch movements, on the other hand, utilise the wearer's movements to keep the mainspring wound, offering a convenient everyday solution.

The Patek Philippe Calatrava, with its ultra-thin manual movement, exemplifies the elegance of traditional watchmaking. On the other hand, the Rolex Oyster Perpetual, with its self-winding mechanism epitomises practicality and durability.

Whether manual or automatic, a mechanical movement imbues a luxury watch with a soul, a testament to human ingenuity and a treasured heirloom for generations to come

Export
Expert Tip

Budget Considerations

Diamond shapes can vary in price due to popularity and demand. Round brilliants, for example, tend to be more expensive than other shapes due to their high demand. If budget is a concern, consider alternative shapes or prioritise other aspects, such as cut quality, over the shape itself.

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Jewellery Insurance FAQ

Contents insurance covers the items within your home in case they are damaged, lost or stolen. This can include furniture, electronics, clothing and other personal.  Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.

Contents insurance covers the items within your home in case they are damaged, lost or stolen. This can include furniture, electronics, clothing and other personal.  Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.
Home Security Fortification

An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

An engagement ring is a significant financial and sentimental investment. Specialised.

Travel Savvy

An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

An engagement ring is a significant financial and sentimental investment. Specialised.

Social Media Caution

An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

An engagement ring is a significant financial and sentimental investment. Specialised.

Regular Valuations

An engagement ring is a significant financial and sentimental investment. Specialised engagement ring insurance provides financial protection in the event of loss, theft or damage by ensuring you can recover the ring's monetary value or repair or replace.

An engagement ring is a significant financial and sentimental investment. Specialised.

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Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.

Luxury Watch Complications: Exploring Hidden Features & Functionality

Luxury watches often boast 'complications,' intricate mechanisms that add layers of sophistication, style and utility. Here, we explore some of the most fascinating complications created by the best luxury watch brands.

Home Security Fortification

Contents insurance covers the items within your home in case they are damaged, lost or stolen. This can include furniture, electronics, clothing and other personal.  Contents insurance is essential for anyone who owns valuable items, as it helps protect you should a potential loss occur in your.

Purchase Amount

To get an accurate insurance quote, please provide the amount from your purchase receipt.

Don't have the receipt?

If you don't have the receipt, you can provide the most recent valuation amount instead.

OK

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