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    All You Need To Know About Jewellery Valuations

    Whether you're wanting to protect the jewellery you own, sell your jewellery or need to value an estate, here at Hatton Jewels we are able to help you find the valuation that is right for you.

    Whether it’s your new engagement ring, a family heirloom or just your collection of jewellery over the years, your jewellery is precious, so it’s important to make sure it’s properly valued.

    It’s not as simple as one type of valuation fits all, it’s important to make sure you get the right type for its purpose. So search no further if you’re confused about jewellery valuations…here we explain the different types of valuations and which one is right for you.


    An insurance valuation is the retail value of an item. This is the type of valuation that insurance companies may require. It would be the most detailed of the valuations and it would be the documentation that would be referred to in the event of a claim.

    Our Insurance Valuation top tips are….

    1. Check your policy - Depending on your individual policy, some items will be automatically covered under the general contents insurance, often up to around £1500. If a single item of jewellery is below this threshold, you may not need to get the piece itemised on your insurance. Also check your policy protects you against accidental damage to your jewellery. If you have many valuables it may be worth using jewellery insurance specialists, such as TH March - use our code AH757T to get preferential rates.


    2.Make sure your jewellery is reasonable condition -When you take your jewellery to be valued, make sure it’s in good condition. If it’s not the insurance valuation may be reduced and potentially make the insurance policy void.


    3.Keep valuation updated - To keep your policy valid, it’s important to make sure it’s are up to date. Due to how much the market fluctuates, some insurers may specify how often they require jewellery to be re-valued. It’s generally recommended every 3-5 years.


    4.Get your jewellery checked regularly - It’s not just about jewellery being stolen or lost, sometimes jewellery gets damaged. It’s good to get in the habit of getting your jewellery checked, such as the settings, to make sure everything is secure. If you have a particularly valuable piece, it may be stipulated in your policy how often you need to get the jewellery checked by a professional. It’s also great for your own peace of mind!


    5. Make sure your valuation is accurate - Your jewellery valuation is legally binding, so it should include a detailed description of the item. A photograph of your piece of jewellery is not essential but is advantageous. Also make sure you take along any documentation that relates to the jewellery, such as Diamond Certificates so the details can be included on the valuation.


    6. Type of Values - NRV- This is the abbreviation for ‘New Replacement Value.’ This means how much money you would require to be able to replace your item with the new equivalent. SHRV – This is the abbreviation for ‘Second-hand Replacement Value.’ This is used for antique and vintage items that you could only replace by buying a second-hand item.




    Probate valuations can be used for a multitude of reasons for example by HMRC to value the estate of deceased or to value assets for court proceedings, such as a divorce settlement. This value will be lower than the insurance valuation as it is the value of the item if it were to be sold immediately in the current state.




    Sales valuations are for customers wishing to sell their jewellery. The process for this differs between companies, so it’s worth enquiring how a business choses to offer this service. Here at Hatton Jewels you can visit our ‘Sell Your Jewellery’ page and fill out our form to get a valuation.



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    5 Hatton Place,
    EC1N 8RU
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    Terms and conditions of sale for Hatton Jewels

    These terms and conditions relate to the use of Hattonjewels.com website and any purchase from Hatton Jewels Ltd, Registration Number: 06241877, and whose Registered Office Address is 57-59 Queens Road, Buckhurst Hill, Essex, IG9 5BU


    All orders for Goods shall be deemed to be an offer by the Buyer to purchase Goods pursuant to these Terms and Conditions and are subject to acceptance by Hatton Jewels Ltd. Hatton Jewels may choose not to accept an order for any reason.

    When the item you wish to purchase is not available from stock you will be notified and given the option to either wait until the Goods are available from stock or cancel the order and receive a full refund within 30 days.

    Bespoke Items

    Items that are manufactured from our Build Your Own Rings range are not eligible for a full refund however a life time credit note will be issued for the full value of the item. If the item you received was a special order for a non-standard ring size* or if you ordered a Bespoke Item made to order, we regret that it can only be able to return it to us if it is faulty, as it will have been specially made and cannot be resold. *Standard Rings Sizes - Ladies I - O, Gents L - V

    Cancellation & Return

    We are confident you will be delighted with your Hatton Jewels purchase.

    However, you do have the option of returning items to us within 30 days of receipt for a full refund or exchange if you decide that the item is not right for you or the goods are faulty. We regret that we cannot offer refunds or exchanges on goods that have been worn, damaged or have had any alterations by a third party. Returned items can only be accepted if they are:

  • In the same condition they were received
  • With all original paperwork and documents
  • In the original packaging
  • Via the returns procedure detailed below
  • Failure to do so will result in the item being returned to you. Please complete the following procedure should you decide to make a return.
  • Call us on 0203 116 0069 or e-mail info@hattonjewels.com within 30 days from the receipt of your purchase. We will give you a unique authorisation code which you must write on the original invoice which you need to include in the package.

    Address your package to Hatton J Ltd, 5 Hatton Place, London, EC1N 8RU. For security reasons please do not write ‘Jewels’ anywhere on the outside of the package.

    Post the parcel using the Special Delivery service available at the post office. We recommend that you obtain proof of posting. We cannot be held responsible for any items that are lost in transit.

    Once your package has been received by Hatton Jewels Ltd it will be assessed to verify that the item has been returned in the original condition. Once verified a full refund or exchange will then be issued.


    Every effort is made to deliver your purchase as swiftly as possible. You will be sent a confirmation of delivery date at the time your order is confirmed.

    For items that are in stock we aim to deliver to you within 5-7 days. If we cannot deliver within the agreed time we will notify you immediately and with your agreement arrange an alternative date. Items listed under 'Express Delivery' are items which are currently in stock and can be delivered within 5-7 days. Depending on the rate at which the payment clears, we might be able to deliver it to you sooner.

    All items dispatched are fully covered by insurance whilst in transit, and must be signed for on delivery. At this point they become the property of the purchaser and our insurance no longer applies. Please be satisfied that the parcel has in no way been tampered with in transit before accepting delivery.

    Hatton Jewels Ltd shall not be liable for any delay or failure to perform any of its obligations or promises if the delay or failure results from events or circumstances outside its reasonable control.

    Information on our website

    Whilst we make every attempt to ensure that our online catalogue is as accurate as possible errors can occur. Prices are subject to change without notice and will be confirmed upon receipt of your order. We may alter images for presentation purposes. Colour and size may vary slightly due to different monitors.

    If a product is not in stock and we are able to replicate it, this does not apply to antique pieces, Hatton Jewels guarantee the carat weight listed on the product as minimum and guarantee the same quality of gemstone, metal and workmanship for the order placed.

    Lifetime Warranty

    All Hatton Jewels handmade pieces come complete with a lifetime manufacturer’s warranty that covers any manufacturing defects and any necessary repair will be conducted free of charge under the following terms and conditions:

  • The item is identified by our production department as being defective as a result of a manufacturing default.
  • The item has not had any damage as a result of mishandling or Inappropriate impact (eg. knocks, dents or pressure), and has had no alteration, manipulation, repair or care by a service provider apart from ourselves or is the consequence of normal wear and tear.
  • Proof of purchase must be presented.
  • This does not apply on antique pieces or signed jewellery.
  • In order to ensure all stones are secure within your piece we advise having your piece checked by a jeweller at regular intervals.

    If purchased from ourselves even if not covered by guarantee we endeavour to resolve at the lowest price possible

    Repairs and Alterations

    All repairs on jewellery that has not been purchased through Hatton Jewels are completed at the customer’s risk. We will guarantee the specific work we complete for 1 year.


    If you have a complaint or concern please contact:

    Hatton Jewels Ltd

    5 Hatton Place
    EC1N 8RU
    Tel: 0203 116 0069
    e-mail : info@hattonjewels.com