Kim Kardashian-West will always have Paris…Paris to remember her stolen family jewels by.

After the armed robbery in her Paris hotel apartment that resulted in the loss of more than $10 million in jewellery, experts say Kardashian-West is in for a roller coaster ride of a claims process to recoup her losses. 

“It all depends on the type of jewellery coverage the customer purchased,” Janece White, North American vice president of underwriting and jewellery specialist at Chubb Personal Risk Services, a multinational property and casualty insurer, told reporters.

The questions to ask, she said, are: “Was it worldwide coverage? Was there a maximum amount of coverage provided while traveling? Were there any restrictions with regard to the security required while traveling with the jewellery?”

And even if she is indeed insured, and followed the stipulations of her policy to a T, making claims will still be complicated.

“Very high value, unique and rare items can be tricky to replace with pieces of ‘like kind and quality,’ which is the standard for most insurance companies,” Heather Perkins, head of underwriting at Los Angeles-based jewellery insurance specialist Lavalier, said “So a multi-million dollar claim like this one is going to be difficult, both to investigate and to resolve.”