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How to insure your jewelry before you travel

You may not leave home with jewelry that is as elaborate or expensive as Elizabeth Taylor’s or Kim Kardashian’s. However, you can use their situations to understand why the right insurance needs to be in place when you travel.

Taylor’s 69-carat, pear-cut diamond

In 1969, actors Richard Burton and Elizabeth Taylor purchased a 69-carat, pear-cut diamond, and Taylor wore it briefly as a ring before having it reset as a necklace. It was originally owned by Harriet Annenberg Ames, who was said to have sold it because she felt as though she couldn’t wear it in public for fear of being robbed and because letting it sit in a bank vault was a waste.

And while Taylor may not have been afraid to show off the diamond, due to the terms of Burton’s million-dollar insurance policy, she could only wear it 30 days out of the year. The rest of the time it needed to stay in a secure bank vault, and when she did go out in public with it on, she must be accompanied by armed guards. 1

Kardashian’s 20-carat, emerald-cut diamond ring

While staying at a VIP apartment in Paris in 2016, Kim Kardashian was robbed and briefly held hostage at gunpoint. The perpetrator took an estimated $10 million in jewels, including her diamond engagement ring, valued at $4.49 million. While her insurance company paid out over $6.1 million to compensate her for the loss, they sued to get the money from her security team, saying they were negligent in their duties. 2

The questions you need to ask about your jewelry insurance:

Like Taylor and Kardashian, you need to make sure that you have enough insurance and that you’re following the parameters in order to maintain full protection on the item. Here are a few questions to ask before you travel with your jewelry:  

Do you have valuables coverage?   In most cases, your homeowners insurance policy will not cover the full loss of an expensive piece of jewelry. Look for a valuable articles policy that will not cap your limit at $5,000.

Is the coverage worldwide?  Not all policies offer coverage overseas. Look for one that allows you to travel with your jewelry.

Is there a deductible?  Some policies will provide coverage for most causes of loss – including “mysterious disappearance” – without a deductible.

Does it include inflation protection?  Look for a policy that will pay up to 150% of the amount of the policy to account for inflation.

Does it include newly acquired pieces?  If you plan to purchase additional pieces, you will want a policy that automatically covers your newly acquired jewelry, for up to 25% of your itemized limit, for 90 days if you already have jewelry coverage in place.

Do you have an up-to-date appraisal?  The more information you can provide to your insurance company, the better they can assist you if you lose or damage a piece of jewelry. Keep an up-to-date appraisal in a secured area, that includes the type of jewelry, what it’s made of, the gemstones used and how they are graded. Make sure the condition of the piece is included and check with your policy expert to keep pace with market fluctuations if you have a rare piece or large collection.

Are you taking safety precautions?  Regardless of the jewelry’s value or the specific terms of the policy, always adhere to these general safety rules:

• When traveling, keep your expensive items with you at all times or use the hotel vault to store them (not a room safe).
• Don’t pack jewelry in your checked luggage or wear it in less secure areas like the pool or beach.
• Consider investing in “travel jewelry” – Elizabeth Taylor had a replica of her renowned diamond made for $2,800, which was a fraction of the cost of the real thing, but probably made her trips more carefree. 1

For more tips for traveling with fine jewelry and watches,  click here .  

1   https://www.worthy.com/blog/knowledge-center/diamonds/the-taylor-burton-diamond/ 2   https://www.insurancebusinessmag.com/us/news/breaking-news/aig-sues-kim-kardashians-former-bodyguard-for-6-million-over-paris-heist-113017.aspx

This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com . Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.

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• USI Affinity Travel Insurance Services
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Diamond policy.

USI Affinity Travel Insurance Services Diamond

Provider: USI Affinity Travel Insurance Services

Plan: Diamond

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AM Best Rating: Underwritten by: Starr Indemnity & Liability Company AM Best's Rating of: A (Excellent) Effective as of: 12/13/2023

Summary of Policy Benefits

Cancellation

• Cancel for Covid-19 Sickness: Included in Trip Cancellation & Interruption
• Trip Cancellation: 100% of the trip cost
• Trip Interruption: 150% of the trip cost
• Hurricane & Weather: Common carrier delay for 48 hours, Mandatory evacuation conditionally covered, Accommodation made uninhabitable, Must be purchased before storm is named
• Terrorism: Covered for foreign and domestic
• Financial Default: Covered after 14 day wait if purchased within 14 days of trip deposit
• Employment Layoff: Covered, If employed for 3 continuous years
• Cancel For Medical Reasons: Included in Trip Cancellation and Trip Interruption
• Cancel For Any Reason: Optional coverage, This benefit is separate from Trip Cancellation
• Medical Coverage for Covid-19: Included in Emergency Medical
• Emergency Medical: $500,000 per person, Primary coverage
• Pre-Existing Condition: Covered if purchased within 14 days of trip deposit
• Medical Evacuation & Repatriation: $1,000,000 per person

Loss or Delay

• Extension Of Coverage: Coverage can extend up to 7 days, Coverage for medical quarantine included
• Travel Delay: $1,500 per person, $250 daily limit, Covered after 6 hour delay
• Baggage Delay: $500 per person, $500 daily limit, Covered after 12 hour delay
• Baggage & Personal Items Loss: $2,500 per person, $300 per item, $500 specific items limit
• Missed Connection: $1,500 per person, Covered after 3 hour delay, Cruise and tour only

Accidental Death

• 24 Hour AD&D: $50,000 per person
• Flight Only AD&D: $10,000 per person
• Sports & Activities: Covered, Limitations apply
• Sports Fees: Included in Cancellation & Interruption

Other Benefits

• Rental Car Damage: $1,000 policy limit, $100 deductible per policy
• Money Back Guarantee: Free look up to 14 days after purchase
• 24 Hour Assistance Service: 24 hour assistance provided

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For your information

Van Insurance is arranged and administered by Admiral Van, Liability Insurance is arranged and administered by Gladiator. Admiral Van and Gladiator are trading names of Able Insurance Services Limited (Ellipse, Ground Floor, Padley Road, Swansea SA1 8AN) which is authorised and regulated by the Financial Conduct Authority.

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Diamond Travel Insurance is arranged and administered by Rock Insurance Services Limited (3rd Floor, Griffin House, 135 High Street, Crawley, West Sussex, RH10 1DQ), which is authorised and regulated by the Financial Conduct Authority (FCA number 300317).

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Single trip, Annual, Winter Sports or Cruise – our friends at Admiral offer 5 Star rated Platinum level Travel Insurance offering three levels of cover, spanning the UK, Europe and Worldwide

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Moscow Metro 2019

Will it be easy to find my way in the Moscow Metro? It is a question many visitors ask themselves before hitting the streets of the Russian capital. As metro is the main means of transport in Moscow – fast, reliable and safe – having some skills in using it will help make your visit more successful and smooth. On top of this, it is the most beautiful metro in the world !

. There are over 220 stations and 15 lines in the Moscow Metro. It is open from 6 am to 1 am. Trains come very frequently: during the rush hour you won't wait for more than 90 seconds! Distances between stations are quite long – 1,5 to 2 or even 3 kilometers. Metro runs inside the city borders only. To get to the airport you will need to take an onground train - Aeroexpress.

RATES AND TICKETS

Paper ticket A fee is fixed and does not depend on how far you go. There are tickets for a number of trips: 1, 2 or 60 trips; or for a number of days: 1, 3 days or a month. Your trips are recorded on a paper ticket. Ifyou buy a ticket for several trips you can share it with your traveling partner passing it from one to the other at the turnstile.

On every station there is cashier and machines (you can switch it to English). Cards and cash are accepted. 1 trip - 55 RUB 2 trips - 110 RUB

Tickets for 60 trips and day passes are available only at the cashier's.

60 rides - 1900 RUB

1 day - 230 RUB 3 days - 438 RUB 30 days - 2170 RUB.

The cheapest way to travel is buying Troyka card . It is a plastic card you can top up for any amount at the machine or at the ticket office. With it every trip costs 38 RUB in the metro and 21 RUB in a bus. You can get the card in any ticket office. Be prepared to leave a deposit of 50 RUB. You can get it back returning the card to the cashier.

SamsungPay, ApplePay and PayPass cards.

One turnstile at every station accept PayPass and payments with phones. It has a sticker with the logos and located next to the security's cabin.

GETTING ORIENTED

At the platfrom you will see one of these signs.

It indicates the line you are at now (line 6), shows the direction train run and the final stations. Numbers below there are of those lines you can change from this line.

In trains, stations are announced in Russian and English. In newer trains there are also visual indication of there you are on the line.

To change lines look for these signs. This one shows the way to line 2.

There are also signs on the platfrom. They will help you to havigate yourself. (To the lines 3 and 5 in this case).