Our Customers Love Us!

Single Item Insurance

Get a Quote

Jewellery type

It's important to insure your jewellery for the correct amount

Wearer's Age

HomeJewellery InsuranceSingle Item InsuranceDiamond jewellery grading

Diamond jewellery grading

Diamond Jewellery Grading

When you buy a new piece of jewellery such as a diamond ring, you may not realise that before the diamond has been set in to a ring by the jeweller or supplier, the gemstone (especially if it is of a decent quality) will have been graded by an independent laboratory who will have set down an unbiased opinion of its attributes and characteristics.

These independent certificates allow a jeweller to substantiate the cost of a ring and give provenance to the purchaser of a rings characteristics, this is essential as often many of the internal attributes known as inclusions and surface flaws called blemishes are invisible to the naked eye and need special magnification (such as that obtained when using a jewellers loupe) to spot them.

Diamonds are sent for grading usually by the mining company or a diamond dealer responsible for wholesaling items to jewellers. Once a grading has been obtained, the rings are sold on to jewellers who make them in to rings and supply the finished item with a grading certificate. There are many online companies now that allow you to choose your ring style and view a diamond and it’s certificate, prior to purchase. Although certificates can vary from one laboratory to another, most will mention the all important four Cs. Cut, colour, clarity and carat. There are many different grading laboratories situated all over the world but the top six, mentioned below have a near 75 per cent share of the market place. The six that we will encounter the most in the United Kingdom are

  1. THE GIA ( Gemological Institute of America)
  2. The EGL (European Gemological Laboratory)
  3. The European Gemological Laboratory United States of America (EGL USA)
  4. The American Gem Society (AGS)
  5. The Diamond High Council – Hoge Raad voor Diamante (HRD)
  6. The International Gemological Institute (IGI)

It’s worth bearing in mind that not all grading is the same, and some diamonds purchased from a jeweller with a grading certificate from a certain company may be more expensive than a similar diamond graded from another company.

Many of these reports are available in a database or online. The GIA for example publishes it reports online, you simply key in the unique reference code and it will display the result for the graded diamond. No personal information such as the name and address of the purchaser is ever disclosed and the certificate should accompany the diamond if it is ever sold on

At Assetsure, we find the supply of diamond certificates to be particularly useful when someone has purchased a jewellery insurance policy, in the event of a claim, we can quickly see verification of the item insurance has been purchased on and this can help the claims department deal with a loss in an efficient manner .

Click here – to obtain your diamond jewellery insurance quote.

Latest News & Advice

Why have a settings check for your jewellery?

Why have a settings check for your jewellery?

Wearing an item on a regular basis makes it more susceptible to wear and tear, affecting the settings or mounts that hold stones in place; this gradual attrition can weaken the settings leading to the stone becoming loose with the danger of it being lost. Find out more....

Getting a Jewellery Valuation

Getting a Jewellery Valuation

Is getting a jewellery valuation difficult? For many people the answer is yes. Find out how we can help....

How to clean jewellery | An Assetsure Guide

How to clean jewellery | An Assetsure Guide

When you own items of jewellery, you will want to make sure they are cared for properly. Careful storing and handling will help to keep them looking in excellent condition and of course will protect their value. Precious metals and gemstones tend to increase in value over time and items of jewellery that are not cared for or stored correctly can become easily scratched and damaged thus diminishing their value and attractiveness....

Why choose our specialist insurance cover?


Extensive Cover icon-thin-chevron-down

Our policy provides "All-risks" cover as standard. This means events such as loss or damage are covered with fewer exclusions and warranties.


Worldwide Cover icon-thin-chevron-down

You are covered anywhere in the world for trips up to 60 days.

Single Pieces or Collections icon-thin-chevron-down

We can insure single items of jewellery such as rings, earrings & pendants or whole collections. For smaller items you can insure on an "Unspecified basis"


Protect your no claims bonus icon-thin-chevron-down

This is a "stand-alone" policy, any claim will not affect any no claims bonus you may have under your home insurance

Excellent friendly claims service icon-thin-chevron-down

We are here to help you if you need to make a claim. We will liaise between you and the insurers to help settle your claim as quickly as possible.


Members of BIBA icon-thin-chevron-down

We are members of the British Insurance Brokers Association,the UK's leading general insurance intermediary organisation.