Protecting your jewellery from damage or loss

Diamonds are forever. But jewellery needs care and love.

Look after your jewellery and it will sparkle for years to come.

The best pieces of jewellery can bring a lifetime of pleasure - often more, as precious pieces are passed from one generation to the next.

But as it is often delicate and handmade, jewellery requires love and care to keep its lustre. Here are some tips on how to do just that.

1. Avoid excessive light and heat

Over time, too much direct sunlight and heat can fade gemstones such as amethyst or topaz. Delicate materials such as pearls will bleach under too much light. On the contrary, gems such as amber can darken over time with extreme exposure to light.

2. Clean regularly

You can have a professional clean your jewellery, or do so yourself, as long as you follow expert advice.

3. Avoid wear and tear

Take off your jewellery and put it somewhere safe when doing any tasks that could scratch or damage it, or it involves using strong chemicals. That might include day-to-day jobs such as cooking, cleaning or gardening.

4. Store carefully 

Always take care when storing jewellery – even diamonds can get scratched.

If you still have the original box or pouch that the piece came in, then it remains the perfect place to store it. Jewellery boxes with individually padded sections are also ideal. Pearls in particular should be kept separately as they are easily scratched by hard gemstones.

5. Avoid lotions and potions

Take off your jewellery when putting on any scent or lotions - even when simply showering. It can help to get in the habit of always putting your jewellery on last when you get dressed.

Chlorine is particularly damaging to jewellery, so always take it off before heading to the pool or spa and keep it in a safe place.

6. Check for problems or weaknesses

It’s wise to have your pieces inspected for problems regularly, and then repaired when required.

But in the meantime, be on the lookout for warning signs such as damaged or missing claws on rings, or you risk losing stones. The same goes for loose catches and clasps, and rough links on chains or bracelets.

7. Wear it

Pearls react well to the natural oils in your skin and silver is less likely to tarnish if regularly worn.

So, sometimes, the best way to care for your jewellery is simply to wear it.

Revisit valuations every two to three years

It’s important to stay up to date with the value of your precious pieces, and how to keep them protected.

At NFU Mutual, we understand the importance of protecting your cherished possessions and as part of our NFU Mutual Bespoke Home Insurance, we work with trusted partners who can, for a fee, provide a valuation for your collections.