The Difference Between Jewellery Valuation for Sale and Insurance Valuation

Jewellery shown on this page are examples of diamond, gold, emerald and pearl jewellery etc. valued and sold by Vernon Ward.

Signed pieces of Jewellery

Signed pieces of jewellery that are always sought after by private collectors are as follows:

  • Faraone
  • Harry Winston
  • Fabergé
  • Marcus & Co
  • René Boivin
  • Patek Phillippe
  • etc
  • Mauboussin
  • Georg Jensen
  • Krementz
  • Asprey
  • Kutchinsky
  • Debacq a Cie
  • etc

Jewellery in general is mounted in gold, platinuim, white gold or silver.

It is always good that pieces of jewellery are signed by one of the makers listed above (to name but a few). Without a signiture &/or stamp  etc, and the history or provenance of a piece of jewellery i.e. where is  came from and who owned it prior to the seller,  the piece in  question will not have added value. For example a signed piece of Jewellery by Cartier  or Tiffany   (etc) (with the provenance) will command a far higher value than unsigned pieces, whether it be an emerald brooch, a diamond bracelet, a sapphire ring or a diamond necklace and so on.


Insurance on Jewellery and Their True Values

Over the many years I have had clients who have shown me their private collections or singular items and more often than not the insurance placed on pieces of jewellery (be it signed or unsigned) have always been far higher insurance wise than is often necessary. An insurance report on jewellery, as a rule of the thumb, is two thirds more than  the  actual value of the piece plus VAT. One particular insurance  inventory I was shown by a client was valued at a figure seven times  higher than  the value of the collection, and with that came the  difficult task of  informing the client that the insurance value placed  was totally  inaccurate - which can be quite distressing for the  owner/seller - as they actually accept and believe their insured piece  or collection  should achieve a figure near to the insurance inventory. Unfortuantely, there is no law against high insurance values but time and time again I  have come across ridiculous insurance schedules.

The two testimonials shown below are typical examples of clients who have had their antiques over valued. These particular reviews confirm exaggerated insurance valuations. It is wise to be cautious when insuring your jewellery, it is advisable to get at least 2/3 opinions before commiting yourself to an insurance report by a regulated insurance company or a reputable broker.

Outstanding diamond sale

"I took my vintage diamond jewellery to Vernon who after 3 days of constant and merticulous research which he did completey for free, re-appaised the values far more accurately than any high street jewelers from the Laines in Brighton to high street jewelers in London I visited. I did not hesitate to go through Vernon where all business was conducted to the letter,very professionaly and private. Having gone to high street jewelers I would highly recommended going to a professional who knows exactly what he's talking about with many years of experience. (Vernon Ward) A personal one to one service! Having my mothers jewellery which is very sentimental Vernon was the only person who looked after me with compassion and understanding and not for financial gain. He encouraged me not to rush in to anything which is so rare in todays modern world. Which gave me total piece of mind when conducting my business with him from start to finish. Thank you Vernon"

Tracey - Brighton

Incredible service from Vernon Ward

Several months ago I contacted Vernon to value a plethora of fine, varied antiques – gold watches, elaborate clocks, oil paintings, and period furniture – and to advise on their saleability. Living in a distant Scottish island proved no problem for Vernon, whose guidance and patience in assisting me resulted in an excellent outcome, potentially saving thousands of pounds of charges I would have incurred had I used the likes of established outlets such as Sotheby’s or Christie’s. I know this to be the case having checked the charges they would have placed on assessing my antiques.Vernon’s service was exemplary and his commission extremely reasonable. He gave freely of his time over a long period, and his knowledge was faultless. Anyone with interesting antiques would do well contacting Vernon Ward Antique Valuers first and foremost.

Mr A Bradley - Scotland

For all jewellery valuations and sales advice contact Vernon Ward.

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