Getting Your Ring Professionally Valued: What to Expect
TL;DR: A jewellery valuation is an independent assessment of a piece's current replacement value, primarily for insurance purposes. It differs from a grading certificate (which describes the stone's characteristics, not its monetary value) and should be updated periodically as market prices shift.
Why a Valuation Is Different From a Certificate
A GIA or IGI grading certificate describes what a stone is — its cut, colour, clarity, and carat weight — but explicitly does not state a monetary value. A valuation is a separate document, produced by a qualified valuer, estimating what it would cost to replace the piece at current market prices. Insurers require a valuation specifically for this reason; a grading certificate alone isn't sufficient for insurance purposes. See our full insuring an engagement ring guide for how a valuation fits into the wider insurance process.
What Happens During a Valuation
A valuer examines the piece directly — confirming stone specifications (cross-referenced against any existing certificate), metal weight and purity, and overall craftsmanship — then produces a written valuation reflecting current replacement cost. This typically takes place in person, since accurate assessment of condition and setting quality benefits from physical inspection.
How Often to Update a Valuation
Every three to five years is a reasonable rhythm, keeping pace with shifts in diamond and precious metal prices. Given how much lab-grown diamond prices in particular have moved in recent years, and gold and platinum prices fluctuate meaningfully over shorter periods, an outdated valuation can under-insure a piece without the owner realising.
What to Bring to a Valuation Appointment
Your original grading certificate if available, the original invoice or purchase documentation, and the piece itself. Having the certificate on hand speeds up the process considerably, since it gives the valuer a documented starting point to confirm against.
Valuations at À Vie Diamonds
We can point you toward getting an independent valuation once your commission is delivered, and provide the certification documentation needed to support it. Get in touch with any questions.
Related Reading
Frequently Asked Questions
Is a diamond certificate the same as a valuation? No — a certificate describes the stone's characteristics; a valuation estimates current monetary replacement value, which is what insurers actually require.
How often should I get my ring revalued? Every three to five years is a reasonable rhythm, given how diamond and precious metal prices shift over time.
Last reviewed: July 2026 · À Vie Diamonds