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Liverpool | St Helens | Bootle

Jewellery & Diamond Appraisal Experts around Liverpool

Reviews of respected Appraisers & Gemmologists who provide jewellery valuation services to the Liverpool area including: the City Centre, Bootle, Runcorn, St Helens and throughout Merseyside.
Antique, period & modern diamond jewellery & watches are appraised for valuations for all purposes (Insurance Replacement, Probate, Open Market, Divorce Settlement, Loan Security, Equitable Distribution etc).

All JAW Associates:

  • Are full-time professional Valuers and Gemmologists, not retail jewellers.
  • Are fully qualified and experienced.
  • Have had all of their credentials independently verified by us.
  • Are held to account by national and sometimes also international appraisal governing bodies.

To display each business's jewellery valuation fees, verified qualifications & credentials, reviews and contact details, click the ‘View Profile’ buttons.

The Valuers below are arranged in order of the the number of customer reviews they have received.

Faceted citrine by Dyer
Susan Pennington - Diamond Expert

Susan Pennington, FGA DGA

Ormskirk, England, UK

Rating (5 reviews)
5 star rating5.0

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Susan offers high quality, confidential Valuations. Based in Ormskirk, central to North West Lancashire, within easy reach of Merseyside, Liverpool, Southport, Preston and Wigan. Specialising in offering Valuations for Insurance, Probate, Capital Gains or for Divorce Settlement/ Family Division purposes etc. Please ring for details to arrange a personal valuation service to suit your needs.
Jewellery can be presented for Valuation via: Home visits (or place of work) - By appointment at our office (while you wait option) - Collection... [more info, fees, reviews etc]

There are also Jewellers in Liverpool and Merseyside who have a valuation service provided by JAW associates. Please see the Merseyside Jewellers page.

Diamond Appraisal info iconTypes of Jewellery Valuations

Only those specifically referred to on this page are described here

Further types will be mentioned on the Valuer's profile pages as there are several other types of valuation reports, each with its own particular wording, purpose, objectives and resulting values. For an expanded list of types, go to the Valuation Definitions page.

Division of Assets (sometimes requested)- This appraisal and valuation is used to establish the value of one or more items of jewellery to be used in an equitable distribution scenario. The basis of value is largely dictated by the function of the valuation. An example could be the division of property in a scenario where you require an informal valuation so that a collection of valuables can be distributed among two or more recipients following the death of the owner of the gems. The ascribed values are usually based on Fair Open Market values, but there are other possibilities. In the UK there is an increasing likelihood that this information could be delivered verbally during an informal consultation, rather than a formal report being produced.

Divorce Settlement (rarely requested) - Used to establish the value of a married couple's jewellery, diamonds, gemstones and watches. The cited values represent the Open Market Value of the items as of the Date of Separation. This figure is appropriate to be put to the Court when jointly owned property is in dispute or the cash value is to be divided between to the two parties. The values do not include VAT.

Insurance Replacement (routinely requested) - Used to present to an insurance company prior to taking out or renewing an insurance policy. This enables them to establish their maximum financial exposure in the event of a loss. The value represents the modal retail replacement cost of an item of equal merit from the most appropriate type of source within a given broad geographic area. Whether the item is valued on a New Replacement Value (NRV) or Secondhand Replacement Value (SHRV) basis is largely dictated by the type and age of the item, although it is possible for the policy-holder and/or the insurance company to have some sway too. All values normally include VAT.

Probate (commonly requested) - Used to establish the value of a Deceased's estate to enable the calculation of Inheritance Tax due to HMRC and settling of probate. The cited values represent the open market value of the item(s) as of the Date of Death. The values do not include VAT.

Sale Between Parties / Sale by Private Treaty / Private Sale (rarely requested) - Used to assist two private individuals where one is the owner and the seller, and the other is a prospective buyer. The value represents the mid-point between the Open Market Value and the Retail Replacement cost from the secondary market exclusive of VAT. This valuation can also be based on the expected sale price of the item at a public auction, exclusive of any Buyer's Premium or Seller's Commission and costs. The Valuer's intention here will be to find the fairest figure from which both parties can negotiate according to their circumstances.

You may have to look outside the Liverpool area if you require a very specialised service that may be outwith the scope of a normal gem and jewellery appraisal, or if you require a jewellery expert or Gemmologist to travel to another country. Appraisal services such a jeweller's stock audit, Capital Gains assessments and certain types of evaluation for investigations by HMRC are handled by specialists on JAW but you may need to broaden your search.
Please see the Jewellery Valuers - England page for more options.