To be properly covered for insurance, jewellery items over
a certain value must be itemised on your policy. This value
is known in insurance circles as the unspecified item limit.
It is in your best interests to have the value of these items
established by way of an independent Gemmological Valuation
You should be aware that some Policies have high unspecified
item limits such as $2500 or $5000. Some even have no limit.
One allows you to specify an item over the phone without
any proof. This is all part of the Insurance Company marketing.
They want to make it as easy as possible for you to take
out the insurance in the first place. But if your jewellery
is lost or stolen you will still have to prove what it was
and what value it had.
Jewellery Valuation Reports done by one of the GemSure affiliated
Gem Laboratories will provide you with a digital colour photo,
a comprehensive gemmological analysis & description,
and an opinion of the current insurance replacement value
for each item.
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