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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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Engagement Ring Shopping Etiquette

Q Report Team

Updated on April 10, 2025
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You’re an expert at shopping for lots of things: shoes, food, phones, maybe even cars. But most people wouldn’t consider themselves to be expert shoppers when it comes to engagement rings. 

Never fear. With a few engagement ring shopping etiquette tips in your back pocket, you’ll be able to successfully navigate the buying process, work with a trusted jeweller and find the perfect ring for your fiance-to-be.

Do Some Research Ahead of Time

You wouldn’t show up at a car dealership without an idea of what kind of vehicle you’re looking for. The same holds true for engagement ring shopping. You’ll have a far better experience if you do your research ahead of time and arrive at the jewellers with a general idea of what you’re looking for.

First of all, you’ll need to find out what kind of ring style your fiance-to-be prefers. Without a firm grasp on their tastes, you can easily feel overwhelmed by the sheer number of options out there.

If you’re not sure what to look for, do a little investigating. Look at the other jewellery worn by your fiance-to-be and consider asking friends and family for ideas. If it’s not important that you keep the ring a secret, go together to look at rings, and take notes on which ones catch their eye.

Work Out Your Budget Before You Shop

One of the worst engagement ring shopping mistakes is failing to establish a budget before starting their shopping. This ensures you can avoid a scenario where someone falls in love with a ring that is way out of their price range. 

With a budget for your ring purchase, you can tell your jeweller how much you want to spend, and the jeweller can point you to good options within your budget. You’ll be glad later that you decided on your budget before you started shopping.

Be Literate in the Four C’s

The four C's of diamond shopping are cut, colour, clarity and carat. When you understand these characteristics ahead of time, it’s far easier to talk with the jeweller about specific rings. What do these terms mean?

  • Cut: A diamond’s sparkle is largely determined by its cut, so this attribute is extremely important. Diamond cuts are graded from excellent to poor.
  • Colour: The highest quality diamonds are colourless, while lower quality diamonds have a yellowish quality to them. The GIA grades colour on a scale from D (colourless) to Z (yellow or light brown).
  • Clarity: A diamond’s clarity is determined by the number and size of blemishes and imperfections within the stone. The GIA has a clarity scale to help describe various kinds of internal and external imperfections, known as inclusions and exclusions.
  • Carat: This term refers to the diamond’s actual weight, not its size. If you want to maximise your budget, look for a diamond that is just shy of whole or half-carat marks. A 1.9-carat diamond may cost significantly less than a 2.0-carat diamond, but the size difference will not be obvious to the eye.

It’s Okay to Ask for Diamond Certification

Don’t hesitate to ask to look at a diamond’s certification while you’re shopping for an engagement ring - in fact, it’s encouraged. Any reputable jeweller will be happy to show you a diamond’s certificate and discuss the four C’s mentioned above. You won’t be considered rude or demanding to see this information. In fact, jewellers like to work with knowledgeable customers.

Buy Engagement Ring Insurance at the Time of Purchase

When you buy an engagement ring from a Q Certified Jeweller, you can purchase jewellery insurance right there at your jeweller’s shop. This is a smart move for several reasons. First, you’ll have insurance for the engagement ring from the moment you take it out the door, giving you peace of mind that if anything happens to it, you’re covered.

Second, you establish a long-term relationship with your jeweller. With Q Report jewellery insurance, you can choose to return to your original jeweller for repairs and replacement if you need to make a claim.

With a little planning ahead and some background knowledge about the process, you’ll enjoy the process of shopping for an engagement ring. It’s an exciting time in your life! Enjoy it to the fullest, and when you find the perfect ring, protect it with great quality cover. Get an instant online quote today.

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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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You’re an expert at shopping for lots of things: shoes, food, phones, maybe even cars. But most people wouldn’t consider themselves to be expert shoppers when it comes to engagement rings. 

Never fear. With a few engagement ring shopping etiquette tips in your back pocket, you’ll be able to successfully navigate the buying process, work with a trusted jeweller and find the perfect ring for your fiance-to-be.

Do Some Research Ahead of Time

You wouldn’t show up at a car dealership without an idea of what kind of vehicle you’re looking for. The same holds true for engagement ring shopping. You’ll have a far better experience if you do your research ahead of time and arrive at the jewellers with a general idea of what you’re looking for.

First of all, you’ll need to find out what kind of ring style your fiance-to-be prefers. Without a firm grasp on their tastes, you can easily feel overwhelmed by the sheer number of options out there.

If you’re not sure what to look for, do a little investigating. Look at the other jewellery worn by your fiance-to-be and consider asking friends and family for ideas. If it’s not important that you keep the ring a secret, go together to look at rings, and take notes on which ones catch their eye.

Work Out Your Budget Before You Shop

One of the worst engagement ring shopping mistakes is failing to establish a budget before starting their shopping. This ensures you can avoid a scenario where someone falls in love with a ring that is way out of their price range. 

With a budget for your ring purchase, you can tell your jeweller how much you want to spend, and the jeweller can point you to good options within your budget. You’ll be glad later that you decided on your budget before you started shopping.

Be Literate in the Four C’s

The four C's of diamond shopping are cut, colour, clarity and carat. When you understand these characteristics ahead of time, it’s far easier to talk with the jeweller about specific rings. What do these terms mean?

  • Cut: A diamond’s sparkle is largely determined by its cut, so this attribute is extremely important. Diamond cuts are graded from excellent to poor.
  • Colour: The highest quality diamonds are colourless, while lower quality diamonds have a yellowish quality to them. The GIA grades colour on a scale from D (colourless) to Z (yellow or light brown).
  • Clarity: A diamond’s clarity is determined by the number and size of blemishes and imperfections within the stone. The GIA has a clarity scale to help describe various kinds of internal and external imperfections, known as inclusions and exclusions.
  • Carat: This term refers to the diamond’s actual weight, not its size. If you want to maximise your budget, look for a diamond that is just shy of whole or half-carat marks. A 1.9-carat diamond may cost significantly less than a 2.0-carat diamond, but the size difference will not be obvious to the eye.

It’s Okay to Ask for Diamond Certification

Don’t hesitate to ask to look at a diamond’s certification while you’re shopping for an engagement ring - in fact, it’s encouraged. Any reputable jeweller will be happy to show you a diamond’s certificate and discuss the four C’s mentioned above. You won’t be considered rude or demanding to see this information. In fact, jewellers like to work with knowledgeable customers.

Buy Engagement Ring Insurance at the Time of Purchase

When you buy an engagement ring from a Q Certified Jeweller, you can purchase jewellery insurance right there at your jeweller’s shop. This is a smart move for several reasons. First, you’ll have insurance for the engagement ring from the moment you take it out the door, giving you peace of mind that if anything happens to it, you’re covered.

Second, you establish a long-term relationship with your jeweller. With Q Report jewellery insurance, you can choose to return to your original jeweller for repairs and replacement if you need to make a claim.

With a little planning ahead and some background knowledge about the process, you’ll enjoy the process of shopping for an engagement ring. It’s an exciting time in your life! Enjoy it to the fullest, and when you find the perfect ring, protect it with great quality cover. Get an instant online quote today.

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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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Amet minim mollit non deserunt ullamco est sit aliqua dolor do amet sint. Velit officia consequat duis enim velit mollit. Exercitation veniam consequat sunt nostrud amet.

Amet minim mollit non deserunt ullamco est sit aliqua dolor do amet sint. Velit officia consequat duis enim velit mollit. Exercitation veniam consequat sunt nostrud amet.

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.

bulb
0%

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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