Whether you’re planning to sell, insure, or simply understand the value of your jewellery, this guide breaks down the valuation process clearly and simply. Jewellery valuation isn’t just about price tags — it involves craftsmanship, materials, gemstones, market trends, and much more.
Why Get a Jewellery Valuation?
Before you begin, it’s important to understand the reason behind the valuation. Each purpose has its own requirements:
- Insurance – To ensure proper coverage in case of loss or theft
- Resale – To find out what your jewellery is currently worth in the market
- Estate Planning – For inheritance or legal distribution of assets
- Collateral – Using your jewellery to secure a loan
Key Factors That Affect Jewellery Value
1. The 4 Cs of Diamonds
If your jewellery includes diamonds, their value depends on these four core characteristics:
- Carat – The weight of the diamond
- Cut – How well it reflects light, affecting sparkle
- Colour – The less colour, the higher the grade
- Clarity – Fewer internal marks (inclusions) = higher value
2. Metal Type and Purity
Jewellery made from gold, silver, or platinum is valued based on metal type, weight, and purity (measured in karats for gold). With gold and silver prices fluctuating, now may be a good time to sell your gold or sell your silver to trusted Cape Town gold buyers.
3. Gemstones (Beyond Diamonds)
Other gemstones like rubies, emeralds, sapphires, and tanzanite can greatly impact value depending on:
- Colour intensity
- Transparency
- Carat weight
- Quality of the cut
4. Craftsmanship and Design
Jewellery that’s handcrafted or intricately designed by skilled artisans often holds higher value, especially if it’s a unique or antique piece.
5. Designer Brand and Provenance
Jewellery from luxury brands (like Cartier, Tiffany, or Rolex) or with historical significance will command premium prices. Keep all documentation to validate origin.
6. Market Demand
Trends matter. For instance, vintage gold chains may be more valuable during a fashion resurgence. Staying informed about what’s in demand can affect your timing.
7. Condition
A well-maintained ring or necklace in pristine condition will be worth more than a damaged or overly worn one. Clean your jewellery regularly and store it properly.
The Appraisal Process
For an accurate valuation, work with a certified appraiser or gemologist. They’ll use specialist tools to assess your item and issue a report you can use for insurance, resale, or estate purposes.
Bring along:
- Purchase receipts
- Certificates of authenticity
- Previous appraisals
- Watch or jewellery boxes and original packaging
Some pieces, especially those with high-value gemstones, may be sent to a lab for further testing.
How Often Should You Revalue?
You should revalue fine jewellery every 3 to 5 years, especially as metal prices, exchange rates, and market demand can change. This is also important for keeping your insurance policy accurate and up to date.
Tips for Jewellery Owners
- Keep pieces in soft-lined boxes to avoid scratches
- Clean regularly with safe jewellery cleaning methods
- Insure anything valuable against theft or damage
- Be wary of overly generous valuations — always get a second opinion
Conclusion
Jewellery valuation combines art, science, and market insight. By understanding what affects the value — from materials and gem quality to design and demand — you’ll be better prepared whether you’re selling, insuring, or simply holding onto your treasured pieces. Work with reputable jewellery or diamond buyers to ensure you get a fair and transparent valuation every time.
Frequently Asked Questions
How do I find out what my jewellery is worth?
Work with a certified appraiser or gemologist who can assess your jewellery based on its materials, gemstones, brand, and condition.
Can I get my jewellery valued online?
Some platforms offer basic online estimates, but for accurate pricing, a hands-on appraisal is always best.
Do I need an appraisal to sell my jewellery?
While not always necessary, a formal appraisal can help you negotiate a better selling price and avoid undervaluing your items.
Does older jewellery have more value?
Sometimes. Antique or vintage jewellery can be worth more due to rarity and craftsmanship, especially if it’s in good condition and comes from a known brand.
Should I clean my jewellery before a valuation?
Yes, but use gentle, non-abrasive methods. This can improve presentation and help appraisers assess condition more accurately.
How do I sell gold or silver jewellery in South Africa?
You can sell through local jewellers, Cape Town gold buyers, or trusted online platforms. Always compare offers and check for transparency and security.
How do I know if a jewellery buyer is reputable?
Look for reviews, industry certifications, or recommendations. Avoid any dealer who rushes you or refuses to explain the valuation.
Is jewellery a good investment?
High-quality pieces with certified gemstones or branded designs can appreciate in value. However, market trends play a big role, so diversify your investments.
