Hi Noni, Thanks for the great question. Yes it’s important to be very specific when insuring your jewellery. Sometimes people insure their jewellery for a specific amount. When they need to replace their rings, they usually get caught out because they never specified items that need to be replaced. For instance, if your rings are worth X, it’s important that you specify the specs of your rings, diamond size, gold weight, design or image, supply a photocopy of the retailers evaluation and the price you paid for it. Steer away from inflating the price, sometimes jewellers give clients a high end retail price value for an item that was bought on sale but this just increases your premiums. As long as your insurer replaces the jewellery to spec, you shouldn’t get caught out. Provided you have your jewellery evaluated at least once a year and update your cover. Most insurers will purchase your replacement jewellery from wholesalers to save on cost. This is fine when the client is getting replacement jewellery which matches the original spec / design. I can’t recommend a specific company but would always recommend you stick to the larger corporate companies, like Sanlam, Old Mutual etc. Hope this helps.