About jewellery valuation....?

Question

I know nothing about the valuation at all. The thing was I went to an old jewellery shop on New Bond St. for a valuation in order to sell my jewellery but it turned out that I've got an insurance valuation instead and I had to pay like nearly £45 for just a piece of paper. The fact is my jewellery definitely cost more than what I've got my item valued. Then I found out some answer here somewhere on Yahoo that for Insurance valuation vs. Selling valuation are different, they will give you the actual value/possibly the best valued if you're about to sell the item but you'd get half less for an insurance purpose. Is that true? Do you know any free valuation places I can go for? Thank you.

Answer 1

Hopefully you get an answer from your geographic area ...

But my experience tells me that if you have listed the jewellery in your policy you will get what the appraisal was for.  

I attached a link to a UK insurer ...