The importance of jewellery valuations

None of us can predict the future, so it’s wise to protect one’s assets and ensure that Heritage items are preserved for future generations. It is usual for Jewellery pieces to be insured under your Household Insurance and be covered for loss or damage, including all Gemstones or Diamonds. Separate Insurance may be required depending on the Replacement Value of your items.

If you have Jewellery which is antique or simply requires valuing for insurance protection, property division, probate matters or private sales, we can expertly document your jewellery’s exact worth. A valuation from an NAJ, IRV is required today by most insurers.  Having up to date valuation documents will leave you in a more secure position with your insurers going forward.

Heidi says “Too often I see clients with insufficient cover, the wrong basis of Valuation for replacement or even outdated, erroneous documentation which causes them to be underinsured.  In some cases they are uninsured and lose everything. Clients have also, in the past, been persuaded to replace their valuable bespoke Jewellery with mass produced items which are substandard in comparison with the original jewellery or even second hand which offers no guarantee of provenance or quality, and given the number of unethical treatments given to Gemstones and Diamonds today, it can be a real minefield.” 

Time and time again, clients express their gratitude for the comprehensive documentation which has enabled a swift and fair compensation with their insurers.  Naturally, wear and tear will not be covered by insurance, as this is down to the individual’s own care of their jewellery, but damage or loss is insurable.

At Heidi Kjeldsen Ltd:

Your Jewellery will be securely assessed in our Oakham showroom. It is checked, cleaned and if repairs are found to be necessary we can advise you what these are so that your jewellery may be maintained and continue to give pleasure from one generation to the next.

Every Valuation includes a beautifully presented Portfolio, complete with full description, appropriate replacement value, photographic images and a copy for your insurer’s own records.

We also suggest that you approach our 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 Gemstones, Diamonds and Precious Metals increasing, it makes sense to have up to date valuations to replace with items of similar quality should the worst happen. 

To have your jewellery expertly appraised, book an appointment via our website at a time to suit you.