Most household insurance policies cover jewellery up to a particular value. However, if you have a particular item that costs more than your insurance value, then you should get them properly valued and declare them individually to your insurers. You should bear in mind that, for example, if you paid £1000 for an item of jewellery say 5 years ago, the cost of replacement now (new for old) will be more, therefore if your insurers only have it at £1000 then the chances are you will have to pay more to get an item replaced. In addition, your insurers will expect you to provide some sort of paperwork to back up your claim.
We can provide you with an up-to-date valuation and, more importantly, you will get a folder with a full description of your item, including metals used, stone type, size, cut and quality and photograph of your item. This is carried out by a member of the Institute of Registered Valuers.
If you require more details, pop into our shop, call 01733 562044 or email firstname.lastname@example.org