Most people assume that once something is insured, it’s protected. You pay your premium every month, you keep your policy renewed, and if something goes wrong, maybe a theft, a loss, or an accident, you make a claim and get your money. Simple enough, right? But, the reality of jewellery insurance claims is considerably more complicated than that, and the gap between what people expect and what actually happens when they pick up the phone from their insurer is wider than most people realise. Claims get rejected. Payouts get reduced. People who thought they were fully covered walk away with…
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