Insurers & loss Adjusters
Our experts are ready to help you find the perfect solution whether it’s hallmarking, analytical testing or valuations,
Accurate valuations, defensible claims, and trusted independent expertise
Jewellery, watch and luxury claims present a unique challenge for insurers and loss adjusters. Values fluctuate, items are often bespoke or high value, and documentation can be inconsistent or outdated. Without accurate, independent valuations, insurers face increased risk of overpayment, disputes, fraud, and underinsurance.
For over 250 years, Birmingham Assay Office has provided independent expertise in precious metals, jewellery, and watches. Today, we support insurers, underwriters, and loss adjusters with accurate, market-aligned valuations, delivered through a secure digital process designed to stand up to scrutiny at every stage of the claim’s lifecycle.
Your challenges...
Insurers and loss adjusters face growing pressure to:
- Assess jewellery and watch claims quickly and accurately
- Verify declared values against current market conditions
- Reduce disputes arising from outdated or inflated valuations
- Identify potential misrepresentation or fraud
- Manage high claim volumes efficiently
- Ensure valuations are defensible, auditable, and consistent
- Deliver a smooth experience for policyholders without increasing risk
How Birmingham Assay Office supports you...
Traditional valuation processes are often slow, inconsistent, and difficult to audit particularly when handling high-value or complex items.
Independent Insurance Valuations
- Replacement cost valuations for insurance purposes
- Market-aligned pricing reflecting current conditions
- Assessment of condition, wear, and item characteristics
- Clear methodology aligned to insurance requirements
Our valuations are impartial, evidence-based, and designed to reduce ambiguity during claims settlement.
Digital Valuation & Remote Assessment
- Secure digital submission via web portal
- Guided image capture for consistency and quality
- Reduces delays associated with physical handling and logistics
This digital-first approach enables faster turnaround while maintaining valuation integrity.
Expert Review & Technical Oversight
- All valuations reviewed by experienced specialists
- Professional judgement applied to complex or bespoke items (highly complex items may need to be seen)
- Escalation pathways for high-value or unusual claims
Technology supports the process, expertise remains central.
Claims Support & Dispute Resolution
- Independent reports to support claim decisions
- Technical documentation suitable for disputes or complaints
- Impartial authority trusted by insurers and adjusters
Our independence strengthens insurer confidence and supports fair outcomes.
Portfolio Reviews & Risk Management
- Review of declared values across policy portfolios
- Identification of underinsurance or value drift
- Support for mid-term adjustments and renewals
Helping insurers proactively manage exposure rather than reactively settling disputes.
Get in Touch
If you are an insurer, underwriter, or loss adjuster, Birmingham Assay Office can support you with accurate, independent jewellery and watch valuations, delivered digitally and designed for claims confidence.
to explore our valuation services for insurance and loss adjusting.
Why choose Birmingham Assay Office?
- Heritage Authority – Over 250 years of trusted expertise in jewellery, watches, and precious metals
- Independent & Impartial – Not linked to retail or resale interests
- Digitally Enabled – Scalable, secure, and efficient valuation delivery
- Claims-Ready – Clear reporting designed to stand up to scrutiny
- UK-Based Governance – Trusted by institutions, regulators, and industry
“Birmingham Assay Office provided the independent valuation expertise we needed to confidently resolve a complex jewellery claim. Their digital process was efficient, and the reporting stood up to scrutiny.“
Representative from
Global Jewellery Retailer
Contact us
Birmingham Assay office
0121 820 0773
Address
1 Moreton St, Birmingham, B1 3AX