Jewelers Mutual/Perfect Circle – Does it cover missing pave stones?

posted 3 years ago in Rings
Post # 2
Member
11722 posts
Sugar Beekeeper
  • Wedding: November 1999

Why don’t you just call and ask what your plan covers?

Post # 4
Member
11722 posts
Sugar Beekeeper
  • Wedding: November 1999

khaleesi:  Insurance plans aren’t universal.  So what someone has negotiated for their plan likely will not be the same for you.  

Post # 6
Member
164 posts
Blushing bee

khaleesi:  To my understanding, it’s pretty much a universal policy. My policy with them is no different from the sample policy they post on their website, and I was never given any option to change the policy in any way. I’m sure there are other insurance companies offer optional add-ons and whatnot, but I don’t think Perfect Circle is one of them.

To answer the question though, yes they will cover missing pave stones, but replacing the small stones can be such a (relatively) easy and inexpensive thing to do I’m not sure whether it’s worth filing a claim, for the sole reason that your premiums might go up because of it. I personally would rather save it for a huge loss, like if the center stone fell out or I lost the ring entirely

Post # 8
Member
293 posts
Helper bee

I wouldn’t have JM cover your melee. Those cost peanuts to repair. Jewelry insurance is just like home or car insurance– your rates go up if you use it! Just like you wouldn’t call your car insurance to cover scratches on your car, don’t call JM to replace melee.

Melee gets lost often, and if you find a reputable jeweler, they shouldn’t charge more than $5-10/piece (and they’re making a whopping amount off of that– most jewelers do it for free because melee really costs not much). Don’t bother sending them to places like Zales, where they take weeks to ship out to fix. A proper jeweler can do it right there in front of you in minutes.

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