Overview
Most insurers decline gemstones outright — the values are high, the goods are portable, and the market is opaque. Instive built its flagship underwriting desk specifically for this risk. We work from certified valuations (GIA, IGI and approved local gemologists), price each risk individually, and handle every file with sealed, private documentation.
Whether you are a miner moving rough stones to a cutting house, a dealer exhibiting abroad, or a private collector, your cover is structured around how your stones actually move and where they actually sit.
What's covered
- Worldwide transit — secure courier, hand-carry and freight
- Vault and safe-deposit storage, at bank or private facility
- Exhibition, trade-show and showroom display cover
- Cutting, polishing and setting (process risk) cover
- Single certified stones or full dealer inventory schedules
- Theft, robbery, mysterious disappearance and damage
Who it's for
Gemstone dealers and brokers, licensed miners, jewellers and goldsmiths, auction consignors, and private collectors across East Africa and internationally.
How to get covered
- Tell us about the risk — use the form on this page, WhatsApp or a phone call.
- Get your terms — a named underwriter prices the risk and sends a clear quotation.
- Confirm and pay — mobile money, bank transfer or card.
- Receive your certificate — issued digitally to you, your bank or your lender.