Your jewellery can be valuable both financially and sentimentally, so if your most treasured items are lost or stolen it can be devastating.

When a unique bracelet or pair of earrings which have been in the family for generations are lost, replacing them can be impossible.

NFU Mutual, an insurer of high value homes and contents, has paid out around £2.6 million in jewellery claims over the past two years. And people are much more likely to lose their jewellery than for it to be stolen.

The problem with jewellery is that many pieces are unique. Often they may have been handed down through generations or made to commemorate a special occasion such as a wedding, anniversary or birthday.

If you are unfortunate enough to lose an item of jewellery, it helps if the item has been correctly valued and insured.

To help, we recommend that you:

  • Photograph your jewellery, and keep authenticity documentation separately;
  • Check your insurance policy to find out the maximum limit you can claim for an individual piece of jewellery;
  • Consider investing in a safe or using a safety deposit box at your bank;
  • Revisit valuations every two to three years as jewellery can appreciate steeply over time;
  • Check your insurance policy to see what cover you have for items while on holiday.