We offer a comprehensive, independent professional jewellery and watch valuation service direct to members of the public, using our home visit service or, if it is more convenient for you, to your office or bank; our aim is to make your consultation as easy and stress free as possible. All we ask in return is for a table to work at and a power source for our equipment.
We also offer our services to select trade clients, via secure post or at your premises.
Whilst most valuation schedules are prepared for insurance replacement purposes, they can also be prepared for probate, divorce/family settlement and private sale. All our valuation schedules are presented in a quality bound folder and include digital images of your jewellery, full description and appropriate value.View a sample valuation schedule here.
Your jewellery will be inspected and, if necessary, cleaned before being digitally photographed and expertly appraised; all relevant details are recorded such as:
- The assessed colour and clarity of diamonds, dimensions and weight
- Certificate/report details of certificated diamonds
- Gemstone type, quality, dimensions and weight
- Hallmarks and any other identifying marks
- Mode of manufacture and setting style
We will also advise you of any repairs needed to keep your jewellery in tip-top condition. A glossary of terms used in the schedule can be found at the back of your report to enable you to fully understand your document. We also supply you with an 'Insurers Summary' for you to submit to your insurance company.
A valuation supplied by a member of theNational Association of Jewellers Institute of Registered Valuers ensures that, if in the event of a loss or theft, you have all the information needed to help provide proof of ownership if the item is recovered, or to assist your claim if it isn't. We also offer a Post-Loss Assessment Service to help with your claim in the event of a loss or theft.
Current Market conditions and rising metal costs mean that even relatively recent valuation schedules, carried out within the last two or three years, may now be inadequate. To give yourself peace of mind, and to ensure you are not under-insured, it is now the time to have your jewellery valued professionally.
Although most appointments are carried out during normal working hours we can also arrange out-of-hours and weekend appointments, contact us to discuss your requirements.
Contrary to popular opinion, any single item could have a different value depending on the purpose, function and intended use of the valuation. We would be very happy to discuss your requirements with you to ensure you obtain the correct type of valuation for your needs.
Insurance Replacement Valuation
Protect your valuables
An insurance valuation is based on what a broadly similar article will cost to replace in the unfortunate event of loss, theft or damage. Our valuation schedules are presented in quality bound folders and include digital images and full description. We will also reference any relevant diamond reports and related provenance thereby creating a full record of your jewellery, not just a list of values.To view a sample valuation schedule click here
A professional valuation, undertaken by a member of the Institute of Registered Valuers, will also help act as a 'proof of ownership' so you can reclaim your items if they are recovered which reduces the stress following a burglary or theft.
Due to the fluctuation in the market and exchange rate we recommend your valuation is updated every three years. The fee for re-valuations, on items we have valued before, comprises a report fee plus 25% of the current item fee per item.
Settling with HMRC
A valuation for probate purposes may be required upon the death of the owner of the jewellery to enable the HM Revenue and Customs to determine the amount of estate duty due. The values, based on current market values at the date of death, represent much lower values than for those required for an insurance valuation and are typically less descriptive.
A probate valuation should not be used to obtain insurance as the values ascribed have no relationship to the current new or secondhand replacement value.
Divorce/Family Division Valuation
During the stressful times of separation and divorce it may be necessary to determine the value of jewellery to facilitate a fair settlement. These cases are similar to probate valuations where values are calculated using open market principles rather than retail values and should not be used for obtaining insurance cover.
Match the report to the purpose
Other types of valuation included those for Capital Gains Tax purposes, Private Sale and Loan Security. For further information and to discuss your requirements please contact us.
As an Independent Valuer our services are not confined to preparing valuation schedules. We also prepare Post Loss Assessments to assist in making a claim should an item be lost or stolen.
Recover your losses
If you are unlucky enough to suffer a loss, without an up-to-date valuation you may find yourself with insufficient evidence to support a realistic claim to your insurance company. In these circumstances we need as much information from you as possible to be able to research the current replacement value. We will then prepare an independent, unbiased, post loss assessment document that you can submit to your insurance company in support of your claim. For further information please contact us.