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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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Protecting Your Engagement Ring in Summer

Q Report Team

Updated on March 23, 2025
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Ah, summer - that carefree time of year when sandals rein and the sun keeps us out late into the evening. While you let your hair down, however, it’s important to remember to take extra precautions with your engagement ring. 

Fine jewellery meets with more accidents during the summer, and it’s not surprising. From snorkelling to rock climbing, we’re out and about, having fun and making memories. Let’s try to keep those memories positive by instilling a few jewellery-safe habits into your summer enjoyment.

Take Your Ring Off When Applying Sunscreen

About two in three Australians will be diagnosed with skin cancer by age 70, so applying sunscreen is a must. But you should also know that sunscreen causes buildup on your engagement ring that can discolour it and dim its lustre.

What to do? Simply remove your ring when you slather up with sunscreen. It’s best to apply your sunscreen at home or in your hotel room, so you don’t set your bauble down somewhere questionable. And that leads us to the next tip…

Store Your Ring Properly

What do you do with your engagement ring while you’re not wearing it? Whether at home or on holiday, prepare a safe spot for the times when you can’t wear your ring.

At home, stash your ring in a clean, cushioned jewellery box. To keep your sparkler shiny and new, choose a box with soft felt or velvet that won’t scratch the metal. 

While travelling, store your rock in a secure jewellery organiser that has compartments to prevent pieces from knocking against each other. Remember that jewellery theft takes place even in the best hotels, so speak with the concierge about safe storage for your ring. Take advantage of security amenities like safes. You’ll need secure storage for days when you head out to the beach.

Don’t Wear Your Engagement Ring When You Swim

When that sparkling blue water beckons, take a moment to safely stow your engagement ring before you dive in. Why? Chlorine and saltwater can damage gold and platinum. Your day in the surf could also compromise the polish of your gemstone, leaving it scratched or cloudy.

The most significant swimming danger, however, is losing your ring while you blissfully splash in the water. Coldwater causes fingers to constrict, and rings don’t fit the same under these conditions. It’s not uncommon for rings to slide right off, and the owners often don’t realise it until much later.

Don’t let the stain of tragedy tinge a beautiful summer day. Play in the water to your heart’s content, knowing your engagement ring is safely stashed in the safe back at your hotel.

Take Care with Sports

Many of us participate in most sports during the summer months. Should you be worried about your engagement ring when you swing a racquet or run in a race?

Wearing your ring in a cardio class shouldn’t be a problem, but lifting weights can cause wear and tear. The pressure of the dumbells against your band can bend the metal or cause pave stones to pop out of their settings. To play it safe, remove your ring before heading to the gym.

With many sports, your engagement ring will be just fine. Others, like tennis, volleyball, basketball, football, baseball, golf and swimming, are risky at best. Here’s a handy rule of thumb: if you wear a glove, get your hands wet or risk jamming a finger, take your ring off. You’ll be safer. And without worrying about your ring, you may even play better!

Clean Your Ring Regularly

With gorgeous weather enticing us outside, we’re more likely to get our hands dirty. We dig in our gardens and build sandcastles. All of these activities lead to a bit more dust and grime than usual.

So treat your sparkler with extra care. Fortunately, it’s easy to keep your rock glistening when you establish a regular cleaning routine. Watch this quick video to learn how; Our CEO Rami shares his expertise.

And that’s it! With a nod to your ring’s safety and security, you’ll enjoy the summer without any mishaps (probably). Of course, the unexpected does still happen. If it does, give us a ring. We’re here to help. And if you haven’t yet insured your engagement ring, get a Q Report instant online quote today. 

 

This article is advisory in nature and is offered as a resource to be used together with your professional insurance advice. It is an overview only and is not intended as a substitute for consultation with your insurance advisor or other professional advice.

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play-audio
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/

Ah, summer - that carefree time of year when sandals rein and the sun keeps us out late into the evening. While you let your hair down, however, it’s important to remember to take extra precautions with your engagement ring. 

Fine jewellery meets with more accidents during the summer, and it’s not surprising. From snorkelling to rock climbing, we’re out and about, having fun and making memories. Let’s try to keep those memories positive by instilling a few jewellery-safe habits into your summer enjoyment.

Take Your Ring Off When Applying Sunscreen

About two in three Australians will be diagnosed with skin cancer by age 70, so applying sunscreen is a must. But you should also know that sunscreen causes buildup on your engagement ring that can discolour it and dim its lustre.

What to do? Simply remove your ring when you slather up with sunscreen. It’s best to apply your sunscreen at home or in your hotel room, so you don’t set your bauble down somewhere questionable. And that leads us to the next tip…

Store Your Ring Properly

What do you do with your engagement ring while you’re not wearing it? Whether at home or on holiday, prepare a safe spot for the times when you can’t wear your ring.

At home, stash your ring in a clean, cushioned jewellery box. To keep your sparkler shiny and new, choose a box with soft felt or velvet that won’t scratch the metal. 

While travelling, store your rock in a secure jewellery organiser that has compartments to prevent pieces from knocking against each other. Remember that jewellery theft takes place even in the best hotels, so speak with the concierge about safe storage for your ring. Take advantage of security amenities like safes. You’ll need secure storage for days when you head out to the beach.

Don’t Wear Your Engagement Ring When You Swim

When that sparkling blue water beckons, take a moment to safely stow your engagement ring before you dive in. Why? Chlorine and saltwater can damage gold and platinum. Your day in the surf could also compromise the polish of your gemstone, leaving it scratched or cloudy.

The most significant swimming danger, however, is losing your ring while you blissfully splash in the water. Coldwater causes fingers to constrict, and rings don’t fit the same under these conditions. It’s not uncommon for rings to slide right off, and the owners often don’t realise it until much later.

Don’t let the stain of tragedy tinge a beautiful summer day. Play in the water to your heart’s content, knowing your engagement ring is safely stashed in the safe back at your hotel.

Take Care with Sports

Many of us participate in most sports during the summer months. Should you be worried about your engagement ring when you swing a racquet or run in a race?

Wearing your ring in a cardio class shouldn’t be a problem, but lifting weights can cause wear and tear. The pressure of the dumbells against your band can bend the metal or cause pave stones to pop out of their settings. To play it safe, remove your ring before heading to the gym.

With many sports, your engagement ring will be just fine. Others, like tennis, volleyball, basketball, football, baseball, golf and swimming, are risky at best. Here’s a handy rule of thumb: if you wear a glove, get your hands wet or risk jamming a finger, take your ring off. You’ll be safer. And without worrying about your ring, you may even play better!

Clean Your Ring Regularly

With gorgeous weather enticing us outside, we’re more likely to get our hands dirty. We dig in our gardens and build sandcastles. All of these activities lead to a bit more dust and grime than usual.

So treat your sparkler with extra care. Fortunately, it’s easy to keep your rock glistening when you establish a regular cleaning routine. Watch this quick video to learn how; Our CEO Rami shares his expertise.

And that’s it! With a nod to your ring’s safety and security, you’ll enjoy the summer without any mishaps (probably). Of course, the unexpected does still happen. If it does, give us a ring. We’re here to help. And if you haven’t yet insured your engagement ring, get a Q Report instant online quote today. 

 

This article is advisory in nature and is offered as a resource to be used together with your professional insurance advice. It is an overview only and is not intended as a substitute for consultation with your insurance advisor or other professional advice.

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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
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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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