FAQ's
• What role does Butler Morton have in the claims process?
Butler Morton is initially responsible for determining the value of the lost jewellery based on either the documentation available or, in the case of damage, examining the damaged item.
Butler Morton will normally then also have responsibility for managing the replacement process.
• What documentation is most useful in support of my claim?
The most important documentation is pre-loss, sales receipts, valuations etc. Post-loss documentation such as replacement estimates can be helpful but are of limited use. Photographs are also sometimes useful.
• How does Butler Morton determine the value of my lost jewellery?
Where quality pre-loss documentation exists the correct current retail values can be calculated. Post loss documentation and hear-say can help, particularly when accompanied by a clear photograph however this will ultimately lead to a less accurate valuation than good pre-loss documentation
• How do I select my replacement jewellery?
• How do I select my replacement jewellery?
After the validation process is complete a number of options are available but are dependant on the type of jewellery to be replaced.
For 22ct gold the Insured can replace through their preferred local jeweller to the validated weight provided the Jewellers prices are reasonable and in line with Insurer’s expectations.
For Western jewellery there are a number of options, either using a specialist supplier nominated by Butler Morton or create a bespoke item based on details and descriptions provided or where the item is unique we can replace through a preferred local Jeweller provided the Jewellers prices are reasonable and in line with Insurer’s expectations.
Watches are replaced, along with an international guarantee, by one of a number of registered UK watch agents nominated by Butler Morton.
• How can I be sure that the replacement jewellery is the value it’s supposed to be?For 22ct gold the Insured can replace through their preferred local jeweller to the validated weight provided the Jewellers prices are reasonable and in line with Insurer’s expectations.
For Western jewellery there are a number of options, either using a specialist supplier nominated by Butler Morton or create a bespoke item based on details and descriptions provided or where the item is unique we can replace through a preferred local Jeweller provided the Jewellers prices are reasonable and in line with Insurer’s expectations.
Watches are replaced, along with an international guarantee, by one of a number of registered UK watch agents nominated by Butler Morton.
All gold items are replaced to an agreed weight which in effect unambiguously defines the value. All gem set items that have a projected value of £1,000.00, either singly or in total, will be submitted to one of a number of independent laboratories run by National Association of Goldsmiths (NAG) valuers. The resultant valuation is delivered with the replacement jewellery.
• How long does the replacement process take?
• How long does the replacement process take?
Butler Morton will first validate the loss and report to your insurance company. Should all the supporting documentation be available immediately a report will be issued to Insurers and a response is normally expected within ten days.
Following your Insurer’s confirmation to proceed the replacement process can vary from almost instantaneous to several weeks. This largely depends on the type of item to be replaced and whether the supporting documentation is definitive or not.
• How is the jewellery delivered?Following your Insurer’s confirmation to proceed the replacement process can vary from almost instantaneous to several weeks. This largely depends on the type of item to be replaced and whether the supporting documentation is definitive or not.
The jewellery is delivered using the Royal Mail special delivery facility, this offers a reliable, safe and fully insured service.
