3 easy ways to... keep your jewellery safe

Whether you’ve recently received an engagement ring or you own a family heirloom, make sure your jewellery is protected, says Aviva

1 CHECK THAT YOU’RE COVERED

‘Many insurers require items over a certain value to be listed separately on home contents policies if they are above a “single item limit”, typically between £1,000 and £2,000,’ says Sarah Applegate, head of risk for Aviva General Insurance. ‘Some insurers may also put a total limit on valuables. So it’s essential you check your policy to make sure you have enough cover in place.’

2 KNOW THE CURRENT VALUE

‘It’s also important to consider how items can fluctuate in value. The price of gold is particularly high at the moment

compared to recent years, so items which were under a single item limit when purchased, may actually be worth more than that limit now,’ she advises. ‘It’s a good idea to get an independent valuation, especially if it’s been a number of years since you bought the item or last had it valued.’

3 SENSIBLE STEPS

‘Take photos of items, receipts and accompanying documents and store the original paper copies in a safe place,’ she suggests. ‘And be careful where you display your jewellery. If you’re sharing new gifts on social media, you may also be advertising them to potential criminals, particularly if your accounts are public.’