Insurance Valuations
Established, professional and trusted
Why you need an insurance valuation for jewellery and watches
June 25th, 2026
Safeguarding your treasures
INSURANCE valuations determine the accurate retail replacement cost of your jewellery, watches, silverware or other treasures in the event of them being lost, stolen or damaged.
As well as ensuring you receive the correct payout to replace or repair items, a detailed valuation also proves to insurers that you own the pieces and can help establish the correct level of cover to avoid unnecessary premiums.
Richard Winterton Auctioneers offers appointments for professional insurance valuations at The Lichfield Auction Centre and The Tamworth Auction Rooms with independent valuer and gemmologist Georgina Southam MIRV FGA DGA BA (Hons).
We can also provide a secure ‘drop off and collect’ service where you can leave your treasured items with confidence at our premises.
Having an up-to-date professional valuation is a sensible idea for a number of reasons.
Proving Value
In the event of a claim, it is usually your responsibility to prove the value of lost, stolen or damaged items. Possessing a recent official valuation speeds up the process and prevents any dispute.
Insurance Limits
Most standard home and contents insurance policies have limits on single items, often around £1,500 to £2,000. Items above this limit need to listed individually on the policy to be completely covered.
Market Fluctuations
The worth of precious metals, diamonds, and gemstones changes with market fluctuations. Professional valuations every two to five years ensures your insurance aligns with current retail replacement costs. If your jewellery increases in value but the cover has not been updated, you could end up out-of-pocket in the event of a claim.
Proper Replacement
An accurate valuation provides detailed assessment of metal type, gemstones and identifying hallmarks. This will help insurers source a reasonably identical replacement.
Contact Us
To arrange an appointment for an insurance valuation at Lichfield, email office@richardwinterton.co.uk or telephone 01543 251081.
For an insurance valuation appointment at Tamworth, email
tamworth@richardwinterton.co.uk or telephone 01827 217746.
Meet your valuer
Georgina Southam FIRV FGA DGA BA (Hons) is a specialist in all types of jewellery, silver and other precious metals with professional expertise in probate and written insurance valuation services.
With more than 15 years in the industry, gemmologist Georgina is a Member of the Institute of Registered Valuers of The National Association of Jewellers.
A previous chair of the Midlands branch of Gem-A, the world’s longest established provider of gem and jewellery education, she has also been recognised by the Academy of Valuers for her hard work and dedication.
Georgina says: “I love all things gemmology related, especially learning the history behind a piece of jewellery – particularly heirloom pieces passed down generations.”
Georgina Southam FIRV FGA DGA BA (Hons)
Jewellery Valuer
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