After Loss Insurance Claims

What most people don’t realise until it is too late is that under your general household contents insurance your jewellery might not be covered. Most insurance policies will have a threshold, only items under this set amount are covered under this policy, any items above the threshold amount MUST be itemised in your policy for your insurance company to pay you out the full value of this item. In order to prove your jewellery is of a certain worth you must have an up to date jewellery valuation provided to you by a qualified diamond grader and jewellery valuer.

We will correspond with your insurance company and can supply after loss or damage quotes to your jewellery. The more information you can supply us the better. Jewellery valuations are very helpful, as are photographs either of the jewellery specifically or of you wearing it.

Don’t be alarmed if you have none of this. We can show you examples based on your description and still supply an insurance replacement quotation.

As we are manufacturing jewellers we can then undertake the work required to get you back where you were before the loss.

This is a no charge service we provide.

If making an insurance claim for a damaged item or missing gemstone:

• Notify your insurance company of your damaged jewellery and that you will be making a claim. If our quote is less than you expect and decide to pay for the repair yourself rather than going through with the claim can still be done despite initialising the claim.
• Please provide for us the name of your Insurance Company, your claim number, your policy number, Insurance Assessors name if one is given, email address of insurance company where we will send our quote to.
• If you can provide valuations of the items if lost or stolen; receipts or photographs are also helpful, particularly if we need to supply a certain size and grade of gemstone.
• We will discuss with you in detail to get as accurate a description of how the item originally looked if we need to.
• We will provide a quote for your insurance company based on all information provided and send to your insurance company.
• Once we get the go ahead from your insurance company we will notify you and confirm that you would like repair done as close to original. Some customers take advantage of the situation and upgrade their stone to a larger one by paying the cash difference.