When items such as jewellery are stolen, it is not just the financial loss that can be devastating, but the emotional upset of losing items of great sentimental value can be just as traumatic.  If you are unlucky enough to lose an item of jewellery or have it stolen, you'll need to be confident that your insurance policy has you adequately covered for replacement purposes.  Here is how a professional jewellery valuer can help to ensure that you get the best deal.


Before you begin your search for a suitable insurance policy for your jewellery, it's important that you get it valued accurately by a professional, independent jewellery valuer.  Many insurance companies insist on this, because items of jewellery that are deemed to be of a high value are usually itemised on the policy and the premium will be adjusted accordingly.

In addition, you may have inherited a piece of jewellery that you know very little about.  An experienced independent valuer may be able to provide you with more information about the piece, which could turn out to be far more valuable than you had initially thought.

Remember that the market for precious metals such as gold, silver, and platinum is inclined to fluctuate in line with fashions and other market influences.  The same applies for antique pieces of jewellery and high-value watches from different periods and in different styles.  For this reason it is essential that you have your pieces valued at least every couple of years to ensure that your insurance policy reflects your jewellery's current valuation and still has you fully covered.

You may also need to provide photographic evidence to identify pieces of particularly high value.  These images can be provided and endorsed by your independent jewellery valuer, together with any providence evidence if appropriate.  Note here that you should never keep your jewellery valuation documents and photographs with your jewellery, just in case you are burgled.  Always store such paperwork separately in a safe place, as your insurer will need to see them in the event of you having to make a claim.

Repairs and condition

When you take your jewellery for valuation, always ask the jeweller to check each piece for condition and to rectify any damage, including securing any loose stones or chain links.  You should also have the jewellery cleaned professionally at the same time.  If your jewellery is in good condition, clean and free-from damage, it will attain a higher value, which is important for insurance purposes.

In conclusion

When it comes to insuring your jewellery, an independent valuation is a vital if you are to get the best deal.  Have a chat with your local jeweller for more information.