Jewellery probate
valuations from £49

Online jewellery valuation for probate in 2–3 days

No visit required in most cases.
Send us your photos. Our fully qualified
gemmologists do the rest.

Start your valuation

Rated ‘Excellent’ on Google and Trustpilot

Online or in person jewellery valuation? Both Available

At Swift Values we provide complete probate valuations whichever route you choose. Most estates suit our online service well, though if your circumstances need a valuer on site, we offer that too.

Online Valuation

£49 up to 5 items – £99 for 6 or more

Ideal for almost all jewellery, from everyday pieces to gold, silver and gem-set items. Even larger diamonds can be valued online if photographed next to a ruler (we have a full video showing how). You photograph, we value. HMRC-compliant, delivered in 2-3 days.

Start your valuation

Best for: 95%+ of estates

In-Person Valuation – from £298

Recommended for important pieces that warrant physical inspection by a qualified gemmologist: signed jewellery from houses such as Cartier (i.e. Tutti Frutti), untreated Burmese rubies, Kashmir sapphires, and significant diamonds where cut, clarity and origin need to be confirmed in person.

Enquire Now

Best for: high-value or specialist estates

Not sure which you need? Call the office on 0330 088 4099 and we will be happy to help.

“Valuations are the biggest single area of risk, accounting for a large part of our compliance checks. You are strongly advised to instruct a qualified independent valuer.”

Source: Inheritance Tax Toolkit, HMRC, Published July 2018

Your jewellery probate valuation in 3 easy steps

Swift Values provides a simple, cost-effective way to meet your probate valuation obligations. Here’s how it works:

Take photos

Photograph each piece with your phone. Watch our short guide showing exactly how. No need to list or itemise each piece.

We value the items

Our FGA and DGA-qualified gemmologists assess everything, drawing on decades of experience with fine and antique jewellery, and will ask questions if more detail is needed.

Receive your HMRC compliant report

Typically delivered within 2-3 working days and prepared under Section 160 IHTA 1984 – ready to submit with confidence.

✔ No home visit required ✔ 100% transparent with no hidden costs ✔ From just £49

✔ No home visit required

✔ 100% transparent with no hidden costs

✔ From just £49

How to photograph your jewellery for a probate valuation

Simply take clear, useful photographs so our gemmologists can prepare your probate report quickly and accurately.

You do not need professional photos or a home visit. In this short video our founder Mark explains exactly what to photograph, how to capture each piece, and which details help our valuers identify anything that may need closer attention.

See exactly what you’ll receive

Every Swift Values report is a professionally formatted PDF, ready to submit with your probate application. It includes:

Fully illustrated PDF report

High-value item breakdown for IHT 407

Valuer notes to detail specifics

Section 160 compliance statement

Signed declaration for IHT400

Valuer bio

View example report

Online vs In-Person: Real-World Example Valuations

Not sure what each valuation service can cover — or when an in-person visit is really needed?

Let’s take a look at three real-world examples to show what our valuers can provide from photos alone, and when they recommend a closer look.

Mixed Jewellery Collection (online valuation)

A varied group of everyday pieces you might expect to see in a typical jewellery box in the UK including gold and silver items.

What Was Submitted
Our Assessment
The valuation was completed by a qualified jewellery valuer (FGA, DGA, Professional Jewellers Diploma) with over 20 years’ experience. Their expert comments included:

“This assortment consists of a typical varied collection. Some items appear to be gold (possibly high carat), others silver, and some may be costume jewellery. While we wouldn’t expect any individual item to exceed the inheritance tax threshold, a more precise open-market valuation would require physical inspection to confirm hallmarks, weights, and condition.”

Estimated Range: £800 – £1,500

Suggested Probate Value: £1,200
Next Steps & Outcome

Diamond Ring? (online valuation)

A ring which a solicitor found in an estate on an inspection. They had no idea if it was a diamond or costume jewllery.

What Was Submitted
Our Assessment
The image was reviewed by a senior jewellery specialist holding FGA, DGA, and the Professional Jewellers Diploma. Their expert comments included:

“This appears to be a diamond ring. Based on the image, the stone could be between 1.5 and 3 carats, and looks bright and white — likely above average quality.

If it’s a natural diamond, the ring could be worth between £4,000–£6,000. If the stone is larger or of particularly high clarity and colour, it could exceed £7,000–£10,000.

However, a precise valuation would require in-person verification of the diamond’s size, colour, clarity, and authenticity.”

Estimated Range: £2,000 – £10,000
Next Steps & Outcome

Diamond-Ring-Swift-Values-Value-2-819x1024-450x450

A 1.6ct Diamond Solitaire Ring (in person valuation)

A large diamond solitaire ring subject to dispute between beneficiaries.

What Was Submitted
Our Assessment
The item was assessed by a senior jewellery valuer with over 20 years of experience, holding the FGA, DGA, and Professional Jewellers Diploma.

Description Provided in Report:

A round brilliant cut diamond in a white eight-claw coronet setting, with slightly tapered shoulders on a plain polished shank.

Estimated weight of the diamond is approximately 1.60 carats. The diamond measured 8.2mm x 8.2mm x 3.9mm, with an assessed colour of G/H and clarity of VS2/SI1.

The ring was unhallmarked but stamped ‘S&C’ and valued as 18ct white gold.

Finger size: N.

Gross weight: 2.8 grams.
Why an In-Person Valuation Was Needed

Trusted by

Why executors choose
Swift Values for jewellery

Most executors assume jewellery is worth what was paid for it

It’s jewellery that causes some of the most confusion, and the most risk of getting it wrong for HMRC. In our own survey, over 90% of people got the value of a diamond ring wrong, with most overvaluing it by thousands and risking more inheritance tax than the estate owed.

Simply upload photos of your jewellery, and our FGA and DGA-qualified gemmologists will assess everything, giving you a clear, HMRC-compliant figure you can submit with confidence.

No research, no guesswork, no second-guessing. Just a professional valuation that lets you move forward.

Swift-Values-Probate-Valuations-For-Executors

Trusted by thousands of executors

Rated ‘Excellent’ on Google. Over 1,000 valuations completed UK-wide.

I was overwhelmed by my mother’s estate. Swift Values made it simple and sent a professional report within two days. The service was perfect.

Barbara, Ipswich

Clear, thorough and incredibly quick. Exactly what we needed for probate to go through quickly.

Richard, Southampton

The report was far more detailed than I expected for the price. HMRC accepted it without question.

James, Salford

How much does a jewellery valuation cost?

Our online jewellery valuation starts at just £49 for a few items (up to 5) and £99 for a larger collection (6 or more), which suits the vast majority of estates.

If anything requires specialist input, we’ll tell you early and confirm any additional costs before proceeding. No surprises.

Service

A few items (up to 5)

A larger collection (6 or more)

Price (inc. VAT)

£49

£99

The £99 service is subject to a fair use policy. We know jewellery boxes vary, and one estate might hold a handful of pieces while another holds fifty. Our pricing is designed to be fair and to cover a normal household collection. If you have an unusually large quantity, you are still welcome to submit it and we may simply be in touch to advise on the best approach.

Fair use policy

Is there a limit to what’s covered in our fee?

No. Whether you choose our £49 option for a few items or £99 for a larger collection, you’ll always receive a valuation and a report for everything you submit. Last year, 99% of our valuations were completed at the headline price and needed no further research.

In the 1% of cases that need more work, the only thing that changes is how precise the figure is. The more valuable or unusual an item, the more work it takes to pin its value down. If you send us a diamond ring that needs closer examination, a 3.5-carat stone for instance, we’ll still value it for £49, but the initial valuation may need to be expressed as a wider range, for example, £30,000 to £50,000. That gives you a reliable indication of where the ring sits in the market, but narrowing it further may require more detailed research into the stone’s quality and grading, comparable auction results or an inspection in person.

If the estate is comfortably below the inheritance tax threshold, a wider range usually makes no practical difference. You can use the top figure and move on. If inheritance tax is due, a narrower figure can make a big difference. For example, further research might narrow a range of £30,000 to £50,000 down to £42,500. Using £42,500 rather than the £50,000 top figure takes £7,500 off the value of the estate, and at 40% inheritance tax that means £3,000 less tax to pay. Our valuer will explain what would be needed to narrow the figure down and what that would cost. You can then decide whether to go ahead. Nothing extra happens without your agreement.

Ready to start your probate valuation?

From just £49. Delivered in 2-3 working days.

HMRC-compliant – guaranteed, or your money back.

Start your valuation

Questions? Call the office on 0330 088 4099

Jewellery is often one part of a wider estate. See everything we can value for probate, from house contents and watches to cars and number plates.

Swift Values FAQs

How much does a jewellery valuation for probate cost?
We offer online jewellery valuations from just £49. For a few items (up to five), such as a ring left to a named beneficiary in a will, the fee is £49. For a larger collection of six or more pieces, our £99 valuation covers a standard UK jewellery box and is suitable for most estates.

The £99 service is subject to a fair use policy. If you have an unusually large collection, you are still welcome to submit it, but we may be in touch to advise on the best approach. If in doubt, call the office first on 0330 088 4099 and we will be happy to help.

For higher-value or specialist estates, we also offer in-person valuations from £298 per hour plus travel. London visits are subject to a two-hour minimum charge, which includes travel. In most cases, though, there is no need to overpay: our online service handles the vast majority of jewellery estates quickly and at a fraction of the cost.
What is the difference between an online and in-person valuation?
In both cases the work is carried out by the same experienced team of FGA and DGA-qualified gemmologists. The only real difference is how the items are assessed. With an online valuation, you photograph the pieces yourself and upload them through your account, and our valuer assesses them remotely. With an in-person valuation, the valuer inspects each piece in hand, which allows for closer examination of larger or more unusual stones.

In-person visits are only worthwhile when the estate justifies the cost, typically where significant diamonds, gemstones or important signed jewellery are involved. For the vast majority of estates, our online service provides the same expert assessment quickly and at a fraction of the cost.
Will my probate valuation be accepted by HMRC?
Can you really value jewellery remotely?
Yes, and it is far more straightforward than most people expect. Our valuers have decades of experience working in some of the busiest auction houses in the UK, where they handled thousands of pieces every week. Once you have seen and assessed that volume of jewellery, valuation becomes second nature. A piece that feels rare and unique to its owner is usually very familiar to an experienced valuer.

By following our short video guide, taking clear overall photographs and weighing items on ordinary kitchen scales, you give us everything we need to provide an accurate valuation. This is, in fact, exactly how the major UK auction houses assess items and generate business every day. Valuing jewellery from good photographs is well-established practice, not a compromise.
How can you tell a diamond from cubic zirconia in a photograph?
This is where qualified experience matters. Our valuers are FGA and DGA-qualified, meaning they hold the Fellowship and Diamond diplomas of Gem-A, the Gemmological Association of Great Britain. These are among the most respected gemmological qualifications in the world.

Combined with decades of handling tens of thousands of pieces, that training allows a valuer to recognise the tell-tale signs that distinguish a genuine diamond from cubic zirconia, or a natural stone from a treated one, often from good photographs alone. Where any doubt remains, we will simply ask for further images or recommend a closer inspection. You are never left guessing, and nothing is valued on assumption.
How long does a probate valuation take?
Online probate valuations are typically completed within two to three working days from the point your photographs are uploaded. In-person valuations are usually finished within a single visit of around an hour, with the written report following shortly after. Timing depends on the size of the estate and how quickly photographs or access can be arranged, but most executors get what they need well within the timescales required for the probate application.
Why is our valuation cheaper than a high street jeweller?
It comes down to purpose. High street jewellers typically charge £50 to £100 per item because their valuations are prepared on an insurance replacement basis. That means recording every detail, from the setting and the number of stones to the precise specification of the mount, because all of it affects the cost of replacing the piece.

HMRC has no need for that level of detail. For probate, they require a fair open-market value for the estate, not a replacement specification. Our valuations are prepared specifically for that purpose, which is why they are far more proportionate in cost. Many people also simply want a figure for tax, with no intention of selling. It seems unfair to spend hundreds of pounds to meet a tax obligation, and our service is priced to reflect that.
What types of items can you value?
We value almost any piece you might find in a household estate. That includes gold and silver jewellery, diamond and gem-set pieces, and fine jewellery from signed houses such as Cartier, Tiffany and Boucheron. We regularly handle vintage and antique jewellery, Art Deco and Georgian pieces, engagement and eternity rings, necklaces, bracelets, brooches and earrings.

We also value watches, from everyday wristwatches to fine timepieces, along with pearls, coloured gemstones, loose stones and costume jewellery. Whether it is a single inherited ring or an entire jewellery box of mixed pieces, we can value it. If something especially rare or specialist comes up, we have a network of experts to call on.
What if I live abroad but need a UK probate valuation?
Living abroad isn’t a barrier. As long as someone can access the property and take photographs of the contents, an online valuation works perfectly well. That person can either upload the images directly to your account or send them to you to upload yourself. For in-person valuations, we can collect keys or coordinate with a UK-based solicitor or family member, so you don’t need to fly back to manage the process.
Do I need to bring items to you?
No. You don’t need to bring or send anything. For online valuations, you simply photograph the items where they are and upload the images through your Swift Values account. The valuer works from those photographs. For in-person valuations, the valuer comes to the property and handles the photography and cataloguing themselves. Items stay exactly where they are throughout the process, which avoids the risk and hassle of moving valuables.
Do I need a jewellery valuer near me?
No. Our online jewellery valuation service covers the whole of the UK, so it doesn’t matter where you or the estate are based. You photograph the pieces where they are and upload the images through your Swift Values account. There’s no need to post anything or take it to a local jeweller, and your HMRC-compliant report is usually ready within 2–3 working days. If the estate includes high-value pieces that are best seen in person, our gemmologists can visit, with in-person valuations from £298 per hour plus travel.
Can you help after the valuation is complete?
Yes. Once the valuation is done, we can help with what comes next. That includes recommending trusted house clearance companies, advising on the best way to sell individual pieces, and pointing you towards the right auction houses or private sale routes depending on what is involved. Selling jewellery well takes a real understanding of the market, from current gold prices to demand for particular stones and signed pieces, and we are happy to share ours so executors get a fair return.

Jewellery Probate Guides for Executors

Practical guidance on valuing, reporting and dealing with jewellery during probate.

Jewellery probatevaluations from £49

Online jewellery valuation for probate in 2–3 days

Online or in person jewellery valuation? Both Available

Online Valuation

£49 up to 5 items – £99 for 6 or more

In-Person Valuation – from £298

“Valuations are the biggest single area of risk, accounting for a large part of our compliance checks. You are strongly advised to instruct a qualified independent valuer.”

Your jewellery probate valuation in 3 easy steps

Take photos

We value the items

Receive your HMRC compliant report

✔ No home visit required ✔ 100% transparent with no hidden costs ✔ From just £49

✔ No home visit required

✔ 100% transparent with no hidden costs

✔ From just £49

How to photograph your jewellery for a probate valuation

See exactly what you’ll receive

Online vs In-Person: Real-World Example Valuations

Mixed Jewellery Collection (online valuation)

Diamond Ring? (online valuation)

A 1.6ct Diamond Solitaire Ring (in person valuation)

Trusted by

Why executors choose Swift Values for jewellery

Trusted by thousands of executors

Barbara, Ipswich

Richard, Southampton

James, Salford

How much does a jewellery valuation cost?

Service

A few items (up to 5)

A larger collection (6 or more)

Price (inc. VAT)

£49

£99

Is there a limit to what’s covered in our fee?

Ready to start your probate valuation?

From just £49. Delivered in 2-3 working days.

Swift Values FAQs

Jewellery Probate Guides for Executors

Jewellery probate
valuations from £49

Why executors choose
Swift Values for jewellery