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Is Your Jewellery Adequately Insured?
The best way to protect your jewellery in the event of loss or damage is to insure it. To insure pieces for the right value requires a valuation from an Institute Registered Valuer.
Is your valuation description sufficiented details for the following purpose:
[ultimate_icon_list icon_size=”14″ icon_margin=”15″][ultimate_icon_list_item icon=”Defaults-check” icon_color=”#01273a”]Check that the replacement is of comparable quality and value to the original.[/ultimate_icon_list_item][ultimate_icon_list_item icon=”Defaults-check” icon_color=”#01273a”]Enable a very similar item to be purchased or manufactured.[/ultimate_icon_list_item][ultimate_icon_list_item icon=”Defaults-check” icon_color=”#01273a”]Provide a checklist, so that everything missed can be claimed for.[/ultimate_icon_list_item][ultimate_icon_list_item icon=”Defaults-check” icon_color=”#01273a”]Professional description if the item is recovered by the police.[/ultimate_icon_list_item][/ultimate_icon_list]
[ultimate_icon_list icon_size=”14″ icon_margin=”15″][ultimate_icon_list_item icon=”Defaults-check” icon_color=”#01273a”]Ensure that in the event of any disagreement with the insurance company or loss adjusters you have a firm foundation on which to base your case.[/ultimate_icon_list_item][ultimate_icon_list_item icon=”Defaults-check” icon_color=”#01273a”]Show that on the date stated, the item existed and was examined by the signatory.[/ultimate_icon_list_item][/ultimate_icon_list]
A competently prepared insurance valuation schedule should contain information on the size, shape, materials, age, weight, etc. and the monetary value of an item. Such work should only be entrusted to specialists in the appraisal and valuation of jewellery.
A quality jewellery valuation service is prepared by a Fellow of The Institute of Registered Valuers working to the National Association of Goldsmith’s code of practice and is independently regulated to ensure that established high standards are maintained.
A valuation for probate is done to establish the value of a person’s estate.
The value is based on the price, which the jewellery is likely to realise if it were sold at auction at the time of death of the owner.
The sum will be considerably less than a valuation for insurance as current labour, materials and taxation costs are not taken into consideration, but only the current market situation.
The Valuer will require the following information:
