Protecting your valuables

Why it’s important to insure your effects

Whilst we live in a much safer world than previous years protecting your assets from theft is still a serious concern in these times. Your jewellery pieces and other valuable items are your personal treasures, and loss due to theft can be a particularly hard time for you. What’s more, having stolen items replaced can also be quite difficult. This can be made even harder, especially if the piece is very rare, or if it is a highly valuable item.

Insurance providers try their very best to be able to identify the worth of stolen jewellery items. In some cases, however, it can be quite hard for them to do this accurately. This is the same for the police, where it can be hard to identify and track down very detailed or rare items. Jewellery valuation from an independent lab, such as us, is one way to make sure that your pieces can be returned or replaced to their full value.

Why jewellery appraisals are vital

If you are unlucky enough to lose or have your jewellery stolen, a certificate of diamond or jewellery appraisal is one way to get back exactly what was lost. It will provide the exact details regarding the stolen or lost item, as well as an accurate valuation of its worth. This will allow your insurance provider to act, rather than them calculating the worth of your items. It will also make sure that the process will be completely independent.

It is also a good way to keep yourself informed as to the true worth of your jewellery. Throughout our wide experience, we have found that many people severely underestimate the value of their items. Being aware of the actual value of your jewellery not only allows you to accurately describe the piece, but also makes you appreciate the real beauty of your item. For this reason alone, an appraisal is highly recommended.

How they can help your insurance claim

There are many aspects that these companies look for in assessing the value of your jewellery pieces. The criteria for evaluating the worth of your item includes:

• The cut, colour, carat, and clarity of any gems present on the item.
• The physical weight of any metals present, such as gold or silver.
• The makeup of the piece, such as gem or stone placement and number.
• The rarity of the gems and metals used in the piece.
• Whether there were any blemishes on the item.

All of these aspects, as you can imagine, are extremely difficult to describe accurately, and this is where an independent jewellery appraisal comes in handy. We provide expert valuation certificates, which will provide precise values for all of the criteria listed above. Kept in our secure archive, and with a copy given to you for safekeeping, it will provide relief should you ever experience theft or a lost item.