Personal / Collections / Jewelry
Jewelry, Insured the Way Collectors Actually Own Them.
As considered as the craft itself, a policy designed by people who know the setting matters as much as the stone.
Most jewelry insurance reads like it was written by someone who has never held a Van Cleef piece, misidentified a Kashmir sapphire, or waited 18 months for a private commission from a small Parisian atelier. WAX Collect was built differently, coverage that speaks the language of the people who care most about fine jewelry, with the same attention to detail you bring to your collection.
What's in the setting
WAX Collect covers the essentials: theft, accidental damage, fire, flooding, worldwide travel, and pets. Yes, pets, a tennis bracelet and a curious golden retriever is a combination that ends in claims.
That's the bezel. The real story is in WAX Flex™, and how you choose to set the optional components.
Lever one: Customize your prongs
Two optional coverages, both toggleable. Your premium adjusts the moment you change them.
Checked Baggage Coverage
Extends protection to items damaged or lost in airline baggage handling. Etiquette in this world has always been clear, travel jewelry in the cabin. But exceptions exist, and coverage should match reality. Toggle it on if your reality includes checked bags with valuables. Toggle it off if your serpenti never leaves your carry-on.
Unattended Auto Coverage
Covers pieces left in an unattended vehicle. If your collection lives in a secure home and never travels unattended to a car, removing it is a clean premium reduction. If you're frequently transporting pieces to appraisers, shows, or events. Keep it on.
Want Mysterious Disappearance? It's included as standard on WAX Classic™.
Lever two: Choose your cut
Most collectibles insurers operate like a jeweler who only offers one cut: brilliant. One payout structure, 150% agreed value, built into every policy regardless of whether market appreciation is relevant to how you collect.
WAX Flex™ gives you three options:
100%. Covered at agreed value. The appraisal you submitted, paid in full. Right for pieces you acquired for their beauty, craft, or personal significance rather than as appreciating assets.
125%. Up to 125% above agreed value. Subject to the class limit. Smart for stones and signed pieces where market recognition is growing but hasn't made a dramatic leap.
150%. Full market appreciation protection, up to 150% above agreed value. Subject to the class limit. For rare signed pieces. Cartier, JAR, Verdura, Hemmerle, Seaman Schepps, where auction results can move meaningfully between purchase and claim, 150% ensures you're made whole in today's market, not yesterday's.
Lever three, the provenance of a better rate
Serious collectors rarely collect one thing. Jewelry alongside watches. Jewelry alongside art. Jewelry alongside antiques. WAX Flex™ rewards the multi-disciplinary collector with a tiered discount built directly into the rate structure.
One category, base rate. Two categories, an automatic discount. Three categories, a greater discount. No negotiations, no calls, no broker required. The discount moves in real time the moment you add a category.
The core settings
- Agreed value, guaranteed. At total loss you receive the agreed value, not a depreciation estimate from an adjuster who has never seen a no-heat Burmese ruby.
- $0 deductible in the majority of U.S. states. One less calculation during an already difficult moment.
- 90 days of newly acquired coverage. The moment a piece enters your collection, you're covered automatically while you update your policy.
- Worldwide coverage. Paris, Geneva, the estate sale in the English countryside.
- Claims via the WAX app. Simple, direct, handled.
- AM Best A+ (Superior) rated carrier partners with experienced underwriters and a documented record of finding ways to say yes.
The pieces you love deserve coverage as considered as the craft. WAX Collect is the atelier version, built to your specifications, priced in real time.
