The importance of jewellery valuations
None of us can predict the future, so it’s wise to protect one’s assets – accurate jewellery valuations will set your mind at ease when handling life’s dramas. It is usual for Jewellery pieces to be covered for loss or damage, including of Gemstones or Diamonds within those pieces, under your Household Insurance. Separate Insurance may be required depending on the value of your items.
Whether for insurance protection or property division, probate matters or private sales, we can expertly document your jewellery’s exact worth. If it is an item which Heidi Kjeldsen Ltd has made then we can issue a Free Valuation Portfolio which will document the details of your jewellery and assess its new replacement value.
If you have jewellery which is antique or requires an Independent NAJ (National Association of Jewellers) Valuation, then Heidi Kjeldsen Ltd has an in-house registered NAJ valuer, for which there is a fee payable, commensurate with the expertise of a Fellow of the NAJ and with which your item will be assessed, leaving you in a secure position with your insurers going forward.
Heidi says “Too often I see clients with insufficient cover or erroneous documentation which causes them to be underinsured and so be persuaded to replace their valuable bespoke jewellery with non-bespoke, mass produced items which are substandard in comparison or even second hand with no guarantee of provenance or quality.”
At Heidi Kjeldsen Ltd:
Your Jewellery is safely assessed in our Oakham shop without leaving the premises.
You can choose to visit in person, send your jewellery to us via a secure courier or use the Royal Mail’s Special Delivery Insured service.
Every jewellery valuation includes a beautifully presented portfolio, complete with full description, appropriate replacement value and digital photographic images.
Each piece will also have a Free Checking and Cleaning service for which written statements can be requested stating the security of your gemstones at a specified point in time, for your insurers protection.
For high value items Heidi Kjeldsen Ltd suggests that you approach their own insurer T.H. March, who are experts in the area of Jewellery Insurance and who offer a very comprehensive service. They will gladly estimate for your personal jewellery cover and this can often be a satisfactory solution when your Home Contents Insurance is being adversely affected by high cover for valuable items of jewellery. Please quote the reference AH706T in all communications with T.H. March and they will ensure your jewellery is replaced by Heidi Kjeldsen Ltd with ease.
With the price of high grade precious stones and metals increasing, it makes sense to have up-to-date valuations to recoup what your jewellery is worth today should the worst happen. With that in mind Heidi advises you carefully check the basis of replacement and insure accordingly. In other words are you prepared to pay the higher premium of replacing existing jewellery with newly made jewellery or would you prefer a lower premium and so be happy with Second Hand or Antique Replacement Valuations which will allow you to source replacements at Auction or from Second Hand dealers with the risk, lack of provenance and wear and tear of the item reflected in the significantly different value.
To have your jewellery expertly appraised, Contact Heidi Kjeldsen to arrange.