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Is your gold and silver under-insured?

The value of gold and silver has risen dramatically over the last decade. As a result, many householders may not have sufficient insurance cover when it comes to making a claim.

According to myfinances.co.uk, silver is now worth nine times more than it was a decade ago, with gold rising a staggering 50 per cent in the last year alone. At the same time, jewellery thefts are on the rise and therefore the proportion of insurance claims involving jewellery has increased. But too many householders are not receiving a full refund because they haven’t reviewed and upgraded their cover.

The advice is to get a professional valuation, despite having to pay to have this carried out. According to the Association of British Insurers, “It pays to get a professional valuation done as these items cannot be easily replaced.”

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