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<p>[QUOTE=&quot;Ownedbybear, post: 396481, member: 29&quot;]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. </p><p><br /></p><p>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&#039;d ask your insurance company to recommend a valuer, or, if you&#039;re close enough, mooch down to Hatton Garden. There&#039;s no UK wide accreditation scheme for gemologists here, and I think you need a decent high end jeweller. It&#039;ll cost. Some decent auction houses will do valuations as well, and those are reliable. </p><p><br /></p><p>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.[/QUOTE]</p><p><br /></p>

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