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Eight Important Things To Consider When Insuring Your Jewellery
By http://www.diamondhome.info

1. Ensure that you have all your important jewellery properly valued by an independent jewellery appraiser. The appraiser should ideally be registered with the 'National Association of Goldsmiths' or other accredited and recognised body (depending on where you live).

2. Ensure that the valuation is suitably clear and that each item is individually described and valued in the appraisal document. In the event of a claim this description will be the basis for any replacement jewellery so make sure it contains all the relevant details that are important to you.

3. Carefully check your insurance policy to establish the amount of coverage it provides for jewellery and personal valuables.

4. Check if there is a clause stating a maximum amount to be claimed for any one item. If necessary add a clause to your home insurance policy to cover jewellery that exceeds the value of personal property covered in the basic policy.

5. Compare your plan with other insurance policies to see if it gives you the best value and cover and the most flexibility if you ever have to replace your jewellery. You need to check that you have cover for loss, accidental damage and for theft.

6. Take photographs of your most prized pieces of jewellery. This can help with identification should a piece be recovered and it will certainly help if you later come to recreate a lost item.

7. Valuations need to be updated on a regular

basis every three to four years. It is not sufficient to simply increase the value of your jewellery by a 'cost of living' percentage as precious metals and gemstones can sometimes increase in value quite dramatically. Last year, for example, the price of gold alone increased by over 25%.

8. It is all very well insuring your jewellery, but please be aware that you have a 'duty of care' and that you will not be insured if there is evidence of any negligence. Always retain you jewellery at home in a secure, locked cupboard. It is always a good idea to invest in a security safe if you can. This should meet certain criteria and insurance companies will usually require the safe to be bolted to the floor or wall. When the items are not being worn lock them away and never leave them in an unprotected environment.

As a small family run business Paul Wright Jewelley has exhibited handcrafted silver and gold jewellery throughout the United Kingdom since 1995 at important international events such as the Badminton and Burghley Horse Trials, the Royal Show, the Royal Highland Show and other large country events.

Visit our website shop where you can browse through our Diamond Wedding Rings and our Handmade Silver and Gold Jewellery