|In an increasingly complex and unpredictable world, where the values of diamonds and gems are in a state of constant change, it becomes absolutely vital to obtain a reliable, accurate and professional insurance valuation for your jewellery so that you are adequately covered in the event of loss or theft.
Jewellery is truly an international commodity and from a gemmological perspective is plagued with potential pitfalls and hazards. In recent years, for example, there has been an explosion in the different varieties of pearls appearing on the market. Precious gems such as rubies, sapphires and emeralds are treated and “improved” using ever more sophisticated methods to evade detection while certificated and fancy-colour diamonds are subject to a pricing structure which can be described as truly labyrinthine. At the same time traditional, family-owned jewellery has become scarce though very much in demand resulting in a surge in value. Quite modest antique jewellery is becoming increasingly scarce today while the retail prices of commercial, in-demand Art Deco and Post War diamond jewellery have shot up in value – especially when set with fine coloured gems such as rubies, emeralds and sapphires. The chances are that if you haven’t had your jewellery inspected and valued within the past 3-5 years it is, quite simply, under insured.
John Benjamin has been valuing jewellery for over 40 years and brings a wealth of knowledge and experience to bear whether assessing a modern diamond ring or a rare Renaissance pendant. He is a well-known and respected figure in the insurance world and is an accredited valuer for Hiscox, Zurich, Chubb, Ecclesiastical and Direct Line. Inspections invariably take place at the client’s home or bank and are carried out with the utmost degree of discretion and confidentiality. No job is considered too small and visits take place throughout the U.K., Europe and overseas. A draft copy of the valuation is usually submitted for inspection and approval, subject to which two bound copies of the schedule are hand-delivered or despatched by Recorded Delivery together with a set of high resolution colour photographs.