Hope you received some lovely Christmas gifts? If you did, you don’t want to lose them but, if you do, the ability to replace them would be nice.

Do check that your sums insured are still up to date and if you have been given some nice jewellery or the like, do be aware that most home contents policies have maximum values for any single item unless you ask for specified item cover.

If you have a little time off it would be worth investing in having any existing jewellery items valued. Gold and silver values in particular have increased considerably over the past few years. We would strongly recommend updating your valuations every 3 to 5 years. Also, if you have rings, pendants, earrings etc. that include precious stones, it is well worth having the mounts checked – this may actually be a requirement of your policy.

As always, we are here to provide the best advice.