Welcome to PMB Consultants - Your One-Stop Shop for Jewellery Claims

PMB Consultants was formed in March 2012, our service offering is unique and the benefits in terms of both service and savings are easily measurable, this includes:

HNW Validation and Replacement

Special Investigation

22ct Validation and Replacement

Jewellery Advice / Consultancy

Jewellery Seminars for Insurers Brokers and Adjusters

Audit Facility for Insurers Jewellery Arrangements

Validation Service for Existing Jewellery

Facility to Deal with the Salvage of Jewellery & Watches

PMB Consultants’ Unique Service Offering

PMB Consultants are uniquely placed as we are qualified adjusters and have general insurance back ground and have also developed the specialist skills necessary to exploit the jewellery market for the benefit of both the insured and insurers. Other providers are either mainstream adjusters who can match our insurance knowledge but are not able to investigate and validate jewellery claims effectively or jewellers who can validate a claim but do not possess the skills to investigate and reconcile the insurance conditions.

PMB Consultants are the only group who have all the skills necessary to provide a complete solution for the jewellery claims process. The benefits derived from having the same Claims Manager control all aspects of a claim (investigation, validation and replacement) are multiple.

Other significant benefits resulting from PMB Consultants’ approach to the management of jewellery claims are:

• Claim values adjusted to reflect the pre-loss documentation rather than a subjective figure suggested by the claimant or their jeweller.
• Cash settlements based on accurately calculated replacement costs rather than a notional discount based on speculative retail values.
• Replacement process which is transparent, gem qualities and values validated by independent NAJ valuers. 22ct gold replaced to a specified weight defined as a result of the validation process
• Costs which are actual and include a separate fee which is defined by an agreed scale, this is very different from the norm where a most suppliers tend to offer a discount based on a notional retail value that rarely adheres to the NAJ model which can lead to overinflated retail values.

PMB Consultants are unique because they are the only company in this market place that has expert knowledge of both the jewellery industry and insurance claims procedure. Our procedures ensure that as a result of our Investigation/Validation/Replacement process a higher number of fraudulent claims are detected and repudiated. Further a higher number of overstated claims are adjusted and in addition all jewellery replacement is charged at actual cost often resulting in much greater savings.

At the same time we maintain a level of service to both the insured and insurer that results in an exceptionally low incidence of complaints with audits carried out by our principals that are always in the late 90’s percentile with highly effective ratings and very rare leakage.