When someone passes away, their estate—including any jewellery—must be accurately valued for probate and Inheritance Tax (IHT) purposes. Jewellery is often one of the most misunderstood—and misvalued—assets in an estate. That’s why it's vital to use a qualified, experienced professional.

I’m Rachel Kinsella MIRV, a fully independent jewellery valuer and gemmologist, based near Tavistock in Devon. I specialise in probate jewellery valuations that meet the strict requirements of HMRC, ensuring clarity, fairness, and full legal compliance

When submitting probate forms to HMRC, the value of all jewellery must reflect the open market value as of the date of death. This is not retail replacement value, and using incorrect figures can result in:

• HMRC penalties or investigations

• Delays in probate and estate distribution

• Legal disputes among beneficiaries

• Unfair tax assessments

• As a Member of the Institute of Registered Valuers (MIRV), I produce detailed, professional reports that satisfy HMRC standards. I also provide high-resolution photography and clearly explain the basis of each valuation.

The Risks of Inaccurate or Unqualified Valuation
Jewellery is a highly specialised area. Many general valuers—or even solicitors—may not:

• Identify synthetic or treated gemstones, leading to inflated values

• Grade diamonds incorrectly, distorting market value

• Know how to interpret antique or designer signatures

• Understand the open market valuation standard (not retail or insurance)

• Incorrect valuations can lead to either overpaying inheritance tax or being challenged by HMRC

Each valuation includes:

• Thorough assessment of all items in the estate

• HMRC-compliant market values as of date of death

• Detailed PDF report with item descriptions & images

• Optional printed copies for legal use

• Support with organising, sorting, or identifying unknown jewellery

• Advice on future sale, distribution or division if requested

I come directly to homes, care homes, solicitors’ offices or wherever the items are stored. Based near Tavistock, I cover:

Plymouth, Exeter, Truro, Falmouth, Totnes

Wider Devon & Cornwall

Also available UK-wide for high-value estates

Whether you're an executor, solicitor, or family member managing an estate, I bring discretion, efficiency, and professional accuracy. I regularly assist:

• Private individuals handling probate

• Solicitors & estate managers across Devon, Cornwall & the UK

• Clients with high-value or complex jewellery collections

Don’t take chances with your valuation—trust a qualified expert. Contact me today to arrange a confidential consultation.

 Rachel Kinsella MIRV – Devon Jewellery Valuations

Based near Tavistock | Mobile UK-wide