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Jewellery Portfolio and valuation for insurance
There are a number of reasons why you may want to seek a jewellers assistance in connection with a valuation, and although most valuations are undertaken for insurance purposes, you may need help with valuations for probate, divorce/family division, or capital gains tax. More than ever, insurance companies are insisting on professional valuations and having an up to date valuation is vital to ensure that your insurance policy covers your possessions adequately.
A valuation is an informed opinion based upon many years of experience allied to to formal training in gemmology and other specialist areas of product knowledge. Valuations today need to be undertaken to a very high standard; the highest level is represented by the National Assosciation of Goldsmiths' Registered Valuer Scheme. All N.A.G. Registered Valuers, have proved their expertise to their peers with formal gemmological qualifications and substantial experience within the industry. They must also conform to the requirements of equipment for gem testing/grading and hold a thorough library of reference material. A certificate from the Jewellery Certification Centre, gaurantees that the diamond(s) described are natural, and have not been subjected to colour or clarity enhancement. The certificate will also contain details of the following characteristics... carat, colour, clarity, cut, symmetry and flourescence. For more information on the these specific charateristics, and their influence on the beauty of a diamond.
A diamond report gives an independant expert opinion as to a diamonds characteristics, colour, clarity, cut, etc, however there are certain characteristics that are subjective and it is important to ask your jeweller for help in explaining the relevance of these characteristics in the diamond you are considering purchasing.
