Wedding Ring Insurance | A jewellery appraisal is a process in which a certified professional examines and states a value for a piece of jewellery. The appraiser that you select will assess the wedding-ring via scrutinising its ring-setting and the diamonds/precious stones that are encased within; this will be based upon the “4 Cs”: Carat, Colour, Clarity, Cut (carat weight, colour, purity and size). In the first of a series of articles, we shall be outlining the criteria of the “4 Cs” – starting with Carat and Colour.
Diamond Weight In Carat
The carat is the most misunderstood characteristic of the 4Cs. It refers to the weight of the diamond, not to its size. Consider the diamond circumference and carat together: a diamond with a larger carat weight and a lower quality of size may seem smaller than a smaller diamond with a higher-sized quality. To maximize your budget, buy more modest. In other words, choose carat weight slightly lower than carat and a half carat. For example, instead of a 2.0-carat diamond, consider buying a diamond with a carat weight of 1.9. This will save you a lot of money, and the slight difference in size will never be noticed.
Carat weight takes into account two factors:
- The Diameter of Diamond. It is important to measure the size (in mm) of the diamond top (diameter), as it is seen when crimped into a ring.
- The quality of the diamond’s size. The quality of the diamond’s size must also be taken into account. When a diamond is trimmed (very good quality or superior), the light reflected from the top gives it a bigger appearance.
How do these two-carat weight factors help when buying a diamond?
Diamond and diamond quality reveal that diamonds with a smaller carat weight appear larger with higher sizes (Very Good and Ideal). In contrast, a diamond with a larger carat weight might appear smaller with smaller size qualities (Good, Fair, Weak).
If a large carat weight is essential for you but you have a tight budget, consider a diamond with a good size, SI1-SI2 purity and an I or J colour degree. Diamond prices increase considerably when they reach the carat and a half carat. Diamonds just below these weights are much cheaper and since the carat weight is distributed over the entire diamond, small differences in dimensions are almost impossible to detect. Remember that the smaller the finger, the bigger the diamond will look. A 1.5-carat solitaire will look much bigger on a finger of dimension 4 than of dimension 8. All crimps are not suitable for all carat weights or diamond shapes. If you have already selected a crimp, check the diamond specifications of your ring
The Colour Of A Diamond
The second most important feature of the 4 Cs is the colour because this is what the eye notices just after the flicker. The colour of a diamond, in fact, refers to its lack of colour. The more colourless it is, the higher its degree of colour. To avoid a pale yellow colour, choose a diamond rated H or higher.
Classification Scale – Table Of Colour Levels Of Diamonds
- [Diamond rated DA] Absolutely colourless. The highest degree of colour. Extremely rare.
- [Diamond classified FE] Colourless. Tiny traces of colour can be detected by an expert gemologist. A rare diamond.
- [Diamond classified HG] Almost colourless. The colour is hardly perceptible unless the diamond is placed next to diamonds of a higher degree.
- [Diamond classified JI] Almost colourless. An exceptional value for money with a slightly noticeable shade or tone.
- [Diamond rated KZ] Remarkable colour.
If you are a purist, look for a colourless diamond with a degree from D to F for a diamond with no discernible colour even with a magnification. For best value, choose an almost colourless degree from G to J for a colourless diamond perceptible to the naked eye. Consider a platinum or white gold crimp when you buy a diamond with a higher degree of colour. A gold crimp can be seen through a colourless diamond.
Chelsea Wedding Ring Insurance
Chelsea Insurance Brokers provide a comprehensive insurance provision for astute clientele who wish to protect their possessions and property, yet, lack the moment of time or awareness to hunt for an appropriate insurance company. Their services include international protection for jewellery including timepieces and wedding ring insurance. Get in touch with Chelsea Insurance now and protect your property and possessions using an insurance corporation which is internationally esteemed.