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Valuations

Jewellery & Watch Valuation Service

We offer a professional independent jewellery and watch valuation service, providing expert valuations, appraisals, and high quality assessments for members of the public and retailers since 1979.

Our qualified team of jewellery and watch valuers provide you with a detailed valuation report of your most treasured possessions, with a full range of valuation services available, including valuations for insurance purpose, probate, family division, open market sale, replacement values and post loss assessment.

We accept single articles or happy to accept larger quantities of items for valuation. Whatever type of valuation is requested, we will make only a modest charge for the service, giving you considerable peace of mind for a relatively small cost. The fee is usually based on a percentage charge, alternatively, either a time based fee or a per item charge.

We can provide you with the necessary valuation documents for insurance companies free of charge with all new purchases.

Insurance Valuations

Valuations offer you the peace of mind that should anything untoward happen, your most treasured possessions and heirlooms are protected. We provide you with detailed descriptions, images, and replacement values for each individual item, in the unfortunate instance of your jewellery being either lost or stolen.

An insurance valuation offers a detailed statement of your items stating the latest up to date values it would cost you to replace your jewellery, in most cases this replacement value may be considerably higher than you would get if you were to sell an item yourself. Commonly most insurers now offer new for old policies, so all modern jewellery must be insured for the full replacement value.

AN INSURANCE VALUATION MAY TYPICALLY INCLUDE;

  • Cleaning of the item
  • Detailed item description
  • Detailed assessment of gemstones/diamonds
  • Hallmarking information
  • Condition statement
  • Provenance (if applicable)
  • Digital images
  • Replacement Values

Probate Valuations

Probate is the legal process of dealing a persons assets after they pass away. This is usually conducted by those who carry out the wishes of the deceased person, as stipulated in the will. If you are settling an estate, this is the valuation you need both to ensure there is a fair distribution among the heirs, and also to prove the estate value for inheritance tax. This is referred to as a probate valuation.

Unlike an insurance valuation which indicates the full retail replacement value, this assessment is based on todays market value of the jewellery if sold. In other words, how much the items would be likely to fetch at auction, or by selling your jewellery to a shop such as ourselves. We take into account the value of the materials, prevailing tastes, condition and state of wear of the items.

A PROBATE VALUATION MAY TYPICALLY INCLUDE;

  • Detailed item description
  • Hallmarking information
  • Condition statement
  • Digital Images (only if requested)
  • Probate Value

Valuing your jewellery

A valuation is an informed opinion based upon many years of experience allied with formal training in gemmology, diamond grading, settings and jewellery manufacturing processes, along with other specialist areas of product knowledge.

Valuations will be individually personally appraised by a leading valuer (FGA, DGA.) with our experienced team of jewellery and watch specialists available to speak with for help and advice on all types of valuation services including, valuations for insurance purpose, probate, resale, or todays market value.

Why do I need a valuation?

In the event of loss, a valuation will establish how much the jewellery was worth, so it will make your claim easier. A correctly written valuation will help you prove your ownership of a piece, offering a much more detailed description than a standard shop receipt. It can also assist with recovering stolen property, all too often, the police recover stolen property but the owners are unable to prove ownership, meaning the property cannot be returned to their rightful owners. Even if your insurance company does not require a valuation, you may still desire one, offering peace of mind.

How often should I get my jewellery valued?

The value of gemstones and gold are affected by supply and demand and other factors besides inflation, so after a period of time the valuation may become outdated. In this instance the insurance company may not cover the full cost of the replacement. We advise to bring back your items of jewellery each year to get them checked for worn settings, loose gemstones, general wear and tear, and for a full clean and polish. That will give you a chance to discuss if a new valuation is needed.

Insurance Replacement Service

Anyone who has had to replace lost, stolen or damaged jewellery will tell you that it can be an emotional time. Many find that insurance companies give conflicting advice or worse, push their customers to only use their preferred advisers. While we hope that you never have to replace a special piece of jewellery or family heirloom it’s worth remembering that an insurance company cannot force you to use specific suppliers.

If this unfortunate situation ever arises, come and speak with us and we will do all we can to replace the items you have lost. If your piece was bespoke, our in-house jewellery designers can produce a replacement that mirrors the original.

To find out more about our insurance replacement service, and how we can help you, speak to our team of jewellery specialists.

    Contact Us

    One of our valuers will be more than happy to discuss any of the costs for any of our valuation services. Contact our dedicated team of valuers on 01335 453 453 or complete the form below and a member of our team will get back to you. 

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