Ormskirk | Southport
Jewellery Valuers in the Ormskirk, West Lancashire area
Reviews of Gemmologists & Appraisers who not only provide jewellery valuation services to clients in the immediate areas of Ormskirk and Aughton but also further afield in Wigan, Southport and throughout West Lancashire.
Like all JAW Associates, the most commonly requested service is a valuation for insurance replacement. The professionals reviewed here also perform probate valuations, post-loss assessments and documentation relating to divorce settlement and sale by private treaty.
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.
Click the "View Profile" button on the Valuers' listings below to see their full details. This displays their credentials, valuation fees, gallery, client reviews, an outline of their valuation & gemmological services and advice on how you can do business with them.
Susan Pennington, FGA DGA
Ormskirk, England, UK
Susan is a highly qualified Jewellery Valuer & Gemmologist who is truly independent and specialises in gem & diamond set jewellery. The result is a totally impartial appraisal produced to the highest standards of accuracy & ethics.
Appointments are available on a while you wait basis at Susan's office & laboratory in Ormskirk, or if you prefer, she can bring a mobile laboratory to your home or business. Both options mean that you will not be without your items and you will receive your documentation in the shortest possible time... [more]
Types 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.
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 by Private Treaty (rarely requested) - Sometimes known as Sale Between Parties. 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.