While shopping for jewellery insurance it is important to understand that not all insurance cover offers the same level of benefit should you ever need to lodge a claim.

Many general insurers offer a basic level of cover for valuables as part of a home and contents policy. However, unless the items are specified separately and you have supplied a valid insurance valuation and paid an additional premium, many owners are disappointed to find that they only receive a flat claim amount per item which is often much less than the actual value of the piece lost.