Beyond Jewellery Valuation: Specialist Insurance from T H March

Whether you’ve just purchased a new piece or inherited a treasured family heirloom, protecting your jewellery with the right insurance and an up-to-date valuation is essential. With gold and diamond prices remaining high and designer jewellery in growing demand, now is the time to ensure your valuables are properly covered.

A woman with glasses and dark hair showing a necklace to a man at a jewelry store.

Why Specialist Jewellery Insurance Matters

Many people assume their jewellery is fully protected under their home insurance, but this often isn’t the case. Standard policies may have low limits, high excesses, or exclusions that leave you exposed when it matters most. Certain home insurances can offer increased protection for jewellery, especially high-value or sentimental items.

Close-up of various diamond engagement rings and wedding bands displayed on black ring holders, with a focus on the central ring with a large diamond, in soft warm lighting.

A specialist jewellery insurance policy is designed specifically around how you live, what you wear, and how you store your pieces. It ensures your jewellery is protected against:

  • Loss

  • Theft

  • Damage

  • Accidental loss

    • Whether you’re at home or abroad, this type of policy offers peace of mind that your jewellery is covered properly.

The Importance of a Professional Valuation

If your favourite item of jewellery/watch was ever lost, stolen or damaged beyond repair, a valuation would help provide the details you need in order to obtain a replacement. It provides a full description of the item and how it is made up and its insurance value at the time of valuation. Without an accurate valuation and the right level of cover, you could find yourself underinsured.

A person holding a smartphone to her ear while sitting in front of a laptop, looking at a website for personal and commercial jewelry insurance.

A valuation is far more than a rough estimate. It’s a detailed assessment by a qualified expert who considers gemstone quality, metal type, craftsmanship, condition, provenance, and even designer reputation. Many professional valuers also hold gemmology and diamond grading credentials. Why does this matter? Because in the event of a claim, your insurer will rely on the description and value attributed to an item.

If your £15,000 ring has increased in value to £16,500 and you haven’t updated the valuation, you could be left to cover the difference. With rising gold and gemstone prices, regular revaluations are essential to keep your insurance policy up to date, and your investment correctly protected.

A man sitting on a light gray tufted sofa, holding sunglasses in his right hand, wearing a beige suit, white shirt, wristwatch, and looking down thoughtfully.

T H March has been a trusted name in jewellery insurance for over 138 years.

As Chartered Insurance Brokers and the appointed brokers to all the major jewellery trade associations, they understand the unique needs of jewellery owners. They’re also proud to be an Employee Ownership Trust (EOT), meaning the team is personally invested in your satisfaction. You’ll always speak with experienced, UK-based staff who are here to help.

T H March offers tailored personal jewellery insurance designed for individuals who want specialist cover that’s easy to arrange and backed by expert support. Whether it’s for a single engagement ring or an entire collection, they can provide the right protection.

For larger collections or broader protection, they also offer bespoke home insurance options that take your full lifestyle into account.

Call them today on 01822 668 000 or visit www.thmarch.co.uk to speak with an advisor and arrange your specialist jewellery insurance.