Featured heirloom Jewellery valuation rough estimate??

Just wondering if anyone might like to give a rough valuation on these rings? I will be getting these valued for insurance purposes but i know those valuations can be far higher than actual value.

I understand with diamond it all comes down to the CCCC, but rough guesstimates are very welcome.

First ring is the largest ring, its platinum, with a 6.5ct sapphire (believed to be natural) and 3 carats of 0.25 diamonds. total ring weight 8.8 grams.




Second ring is also platinum, 3.5carat, 1.5ct center stone, with 1ct stones either side. some colour to the stones, brilliant cut - total ring weight 5.69 grams.



Final ring, 1.4 ct diamonds, 1.5ct sapphire, 18ct gold and platinum. 5.2 grams total.

 

looks like quality.........but guessing at a price without being a gemologist....would be folly !

 

Beautiful, but I'm with komo. It is impossible for anyone to make an estimate based on pictures.
There is always a difference between insurance value and retail.

 

Ok cheers guys, I knew it would be a bit of an ask - do we have any idea what difference is between insurance and true value in the UK?

 

Not a clue, sorry. A lot of us are based in the USA, and even then the valuations can be all over the map. I'd get them evaluated by a licensed gemologist and go from there. Plain gold rings are one thing - any dram scale and an online scrap calculator will do for those. Stones like sapphires are difficult to appraise unless you have them in hand and know what you're doing. (which lets me out!)

 

Thank you, We will go ahead and do that, having them appraised buy an accredited gemologist next week.

 

Anywhere, the assurance value is the replacement value (to get same in a shop...)
"True value" is what amount of money you could get if you sell it (and if you are a good negociator, or don't try to sell to a shark)
This can be 100 vs 50!

 

In the UK, insurance value is often four to five times true or auction value. I own a diamond in platinum ring which someone paid £1500 for, and got offered not much more than £250 for it.

You could take a punt based on comparable rings, but the thing with sapphires, especially, is that values vary wildly by origin. More so than diamonds. I'd ask your insurance company to recommend a valuer, or, if you're close enough, mooch down to Hatton Garden. There's no UK wide accreditation scheme for gemologists here, and I think you need a decent high end jeweller. It'll cost. Some decent auction houses will do valuations as well, and those are reliable.

Bear in mind that some policies insist on doing any replacements themselves, as they can often get a far better deal than you can at retail.

 

Thank you for the advice those are what the valuation place has so I think they are legit, well established local jeweler - the service is costing us but we are happy to pay. We wont be selling these so wont have to deal with sharks thankfully lol. I suspect they will be going back to the bank for safe storage after.

 

If they're a decent local jeweller who you know, then that's as good a bet as any.