Do I need to worry about changes in gold price or price of diamonds etc?

The value of jewellery does indeed fluctuate according to the price of raw materials and fashion along with various other factors. Therefore we would recommend you speak to your jeweller or independent valuer about how often you should have your jewellery and/or watches  re-valued. This is especially important as any claim you have would be settled based on your jewellery/watch valuation

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