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Have to agree on that one. Valuations on jewellery really make me mad. They are so high that it makes the piece expensive to insure. You cannot choose to insure your $10K necklace for $5K because you know you could replace it for that. Then, if you lose it, they will send you to a jeweller who...

I would also claim it. That is why you have insurance. I have not found our policies increase after a claim, at least not a lot and who knows if it is CPI or because of the claim. One insurer recently told me there is no increase due to a claim, but I imagine they all have different rules.