Jewellery Valuations, Why They Are Important.

Whilst jewellery is about the memories it represents and the beauty in its design, a professional jewellery valuation ensures that the value is properly documented and protected.

What Is a Jewellery Valuation?

A jewellery valuation is a written assessment of your item of jewellery's current market value, prepared by a professional. Valuations include a detailed description of the item, for example an eternity ring would state, metal type, diamond specifications, measurements, brand if relevant and condition.  A photograph will be added to the certificate to support the information and a monetary value based on current market data.

Jewellery Valuations can be used for the following:

• Insurance cover

• Probate and estate planning

• Family division or divorce settlements

• Resale or private sale

• Asset documentation

  
  

Why Jewellery Valuations Are So Important.

• Insurance Protection

Without an up to date, professional valuation certificate, your jewellery may be underinsured. Precious metal prices fluctuate and gemstone values can change over time. If a piece is unfortunately lost, stolen or damaged, having an accurate valuation ensures you can replace it like-for-like rather than potentially having to accept a lower settlement.

• Accurate Asset Records

For probate or estate planning, it can help to have your jewellery professionally valued to ensure fair distribution and could support any potential compliance with legal requirements. An informal estimate might not be sufficient for official documentation.

• Market Awareness

People can underestimate the value of pieces they have owned for years. A valuation provides clarity and transparency.

The Process Is Quick and Simple.

Thankfully getting a valuation is very straightforward:

• Pop in and see us in store at Toulson Jones Jewellers with your items or book an appointment here.

• We will inspect and assess your items.

• You receive a comprehensive written valuation for your records and insurer.

At Toulson Jones Jewellers we usually are able to complete your valuation within 24 hours.  We have a transparent rate which is 1.25% of the total value, so £12.50 for every £1,000, minimum charge of £50.00 applies.

How Often Should Your Jewellery Be Valued?

We would recommend that you have your jewellery revalued every 2–3 years.  This will reflect changes in values for precious metal and gemstone. Regular updates should ensure your insurance cover remains accurate.

Why Choose Toulson Jones Jewellers?

As experts in bespoke jewellery designs, we are extremely proficient in current market values for all metals and stones.

If you would like to arrange a valuation or discuss your jewellery with our expert team, please call us on 01892 533307 or visit us in store at Toulson Jones Jewellers, Royal Victoria Centre, Tunbridge Wells, Kent, TN1 2SS.

Author: Paul Toulson

Date: 23rd February 2026

Learn more about Paul Toulson here on LinkedIn