Buying jewellery involves many factors, which can feel overwhelming if you're not well-prepared. To ensure a satisfying shopping experience, it's crucial to understand the jewellery's construction and quality, know where to purchase it, and be aware of your consumer rights. Join us as we walk you through the key considerations for making a confident and informed purchase.

1. What Is Jewellery?

Jewellery refers to decorative pieces worn on the body or attached to clothing. While often crafted from precious metals like gold and silver or embellished with gemstones, jewellery can also be made from more affordable materials. Regardless of its composition, it is primarily worn for its aesthetic appeal rather than its intrinsic value.

Humans have adorned themselves with jewellery for thousands of years, with evidence of its existence dating back to prehistoric times. Found across various cultures and eras, jewellery has evolved in meaning, often symbolizing status, importance, or personal significance.

2. Types Of Jewellery

Jewellery comes in a wide range of styles and designs, each crafted to enhance and adorn different parts of the body. Below are some of the most popular types of jewellery.

• Anklets- As the name suggests, anklets are bracelet-like jewellery worn around the ankle. They have been particularly popular in Eastern cultures, especially in India, for centuries. Historical examples have been discovered in Persia and Egypt. Often decorated with charms, jewels, or bells, they produce a soft sound as the wearer moves.
• Armlets- Armlets are ornamental bands typically worn on the upper arm. Unlike bracelets, which sit on the wrist, armlets encircle the upper part of the arm. Traditionally worn by men in ancient times, they are now more commonly worn by women as decorative accessories. Made primarily from precious metals like gold, they often have an intricate, twisted design.
• Bangles- Bangles are rigid, circular bracelets without a clasp, designed to slide over the wrist. Frequently crafted from gold or silver, they hold cultural significance in India, where they are considered symbols of good fortune.
• Beads And Charms- Beads and charms are small decorative elements used to embellish bracelets and necklaces. Historically, charms were believed to have protective or mystical properties, but today they are mainly worn for their aesthetic appeal. Often shaped like animals or objects, charms are commonly exchanged as sentimental gifts.
• Bracelets- One of the most widely worn jewellery pieces, bracelets wrap around the wrist and come in a vast array of materials, from precious metals and gemstones to wood and leather. They have held cultural significance for centuries and are worn by both men and women worldwide.
• Brooches- Brooches are decorative pins attached to clothing, serving both functional and ornamental purposes. Historically used to fasten garments like cloaks and tunics, they are now primarily worn for decorative appeal. Typically crafted from gold or silver and often adorned with gemstones or enamel, brooches gained popularity during the Victorian era as mourning jewellery, sometimes containing a lock of hair or a keepsake from a loved one.
• Chains- Chains are a type of necklace composed of interconnected links, whether rings, beads, or twisted strands resembling rope. They are one of the most popular necklace styles for both men and women. Available in various sizes and designs, from chunky gold chains to delicate silver curb chains, their flexibility allows them to lay comfortably against the chest while remaining securely in place.
• Chokers- Chokers are snug-fitting necklaces, often made from softer materials like velvet or leather. These accessories have been worn across cultures for centuries, gaining popularity in the West during the 19th century. Today, they remain a trendy fashion statement.
• Cufflinks- Cufflinks are small, decorative fasteners used to secure the cuffs of dress shirts, typically worn for business or formal attire. They come in various designs and materials, with gold and silver being the most popular choices. While some cufflinks feature simple designs, others are elaborately decorated with gemstones or enamel to add a refined touch to a man’s outfit.
• Earrings- Earrings are among the most widely worn jewellery pieces, available in numerous styles such as hoops, studs, and drop earrings. They have been a staple accessory throughout history, continuously evolving with changing fashions. Traditionally worn in pairs, they are often crafted from precious metals and adorned with gemstones, pearls, or intricate enamel designs. Only in the 17th and 18th centuries, when wigs and elaborate headdresses obscured the ears, did earrings momentarily fall out of fashion.
• Hairpins- Hairpins are both functional and decorative, used to secure hairstyles in place. They have been worn for centuries in cultures such as those of Ancient Rome and Egypt. Hairpins range from simple designs to ornate pieces made from precious metals, wood, or plastic.
• Necklaces- Necklaces, along with earrings and rings, are among the most commonly worn types of jewellery. Worn by both men and women for thousands of years, early examples were made from bone, while later designs incorporated metal. Necklaces vary widely, from simple chains to elaborate designs featuring gemstones, enamel, or pendants.
• Pendants- Pendants are decorative pieces that hang from necklaces, bracelets, or earrings. Dating back to the Stone Age, early pendants were worn as amulets, often believed to hold spiritual or protective significance. While religious pendants remain popular today, most are worn for their beauty rather than their symbolic meaning.
• Rings- Rings are circular bands worn on the fingers, made primarily from precious metals. They hold both decorative and cultural significance and have been worn since Ancient Egyptian times. Rings are commonly associated with love and commitment, with engagement and wedding rings being among the most meaningful jewellery purchases a person can make.
• Tiaras- Tiaras are elegant and ornamental headpieces, traditionally associated with royalty and aristocracy. Often crafted from precious metals and adorned with gemstones or pearls, they are typically worn as part of formal or ceremonial attire.
• Tie Clips- Tie clips serve both a functional and decorative purpose, securing a man’s tie to his shirt to prevent it from shifting. While many feature simple, understated designs, they are often made from silver or gold and may be embellished with gemstones or enamel for added elegance.
• Watches- Watches blend practicality with style, serving as both timepieces and fashion accessories. Worn on the wrist, they come in an endless variety of styles and materials, ranging from luxury gold Rolex watches to simple digital Casio models. Before the advent of wristwatches, pocket watches attached to clothing by a chain were the norm.

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3. Why Do People Buy Jewellery?

People purchase jewellery for a variety of reasons, whether to admire its beauty, celebrate special moments, or invest in a valuable asset that may appreciate over time. Below are some of the most common reasons why individuals buy jewellery.

Buying Jewellery For Yourself

While some may see purchasing jewellery for oneself as a luxury, everyone deserves to indulge from time to time. Many people buy jewellery to mark a personal achievement or milestone, choosing a piece they will treasure for years to come. Others are drawn to its aesthetic appeal, wanting to feel confident and stylish when wearing it. Ultimately, there is no reason not to buy jewellery simply for personal enjoyment it is meant to be worn and appreciated.

Buying Jewellery As A Gift

Jewellery is a popular gift for celebrating significant occasions, from diamond engagement rings to gold necklaces commemorating academic achievements. It is often chosen to mark birthdays, anniversaries, and other milestones in a loved one’s life. Many jewellery pieces hold symbolic meaning diamonds represent endurance and commitment, while certain gemstones are associated with specific anniversaries or birth months.

Buying Jewellery As A Collection

For those interested in collecting, jewellery offers an extensive range of styles, materials, and price points. Whether collecting luxury watches, emerald rings, or diamond accessories, there is a virtually endless variety of pieces to explore. Regardless of budgetor expertise, specialist groups and communities exist for every niche, providing support and shared enthusiasm for collectors at all levels.

4. Buying Jewellery For Special Occasions

Jewellery is a timeless and cherished gift, making it the perfect choice for celebrating life’s most meaningful moments. Whether for a loved one, a colleague, or a friend, a carefully chosen piece of jewellery can mark an occasion in a special and memorable way. If you need guidance, your local jeweller can help you find the ideal anniversary gift.

Anniversary Jewellery

Anniversaries aren’t just about celebrating marriage work milestones, birthdays, and other significant achievements also deserve recognition with a meaningful gift. From ruby earrings for a 40th birthday to a silver pen commemorating 25 years of service, jewellery and related keepsakes can beautifully symbolize these moments.

Jewellery-Themed Anniversary Gift Ideas

• Paper– A gift voucher from a jeweller could be the perfect way to mark this milestone.
• Cotton– Consider a silver sewing box or a set of cotton silver-polishing mitts, paired with a silver keepsake.
• Leather– Leather and precious metals pair beautifully. Many jewellers offer leather items such as jewellery boxes or hip flasks, ideal for a third anniversary.
• Fruit– A silver or crystal fruit bowl, serving utensils, or an ornament in the shape of fruit would make a thoughtful gift.
• Wood– A wooden jewellery box or necklace display stand makes an excellent fifth-anniversary present.
• Confectionery– A silver sweet dish, sugar caster, bowl, or tongs could be a delightful gift choice.
• Copper– Copper is often used in jewellery as part of an alloy, such as brass. A pair of copper cufflinks is a unique seventh-anniversary gift for a man.
• Bronze– A bronze ornament, such as a cold-painted animal figurine, makes for a charming anniversary gift. However, be cautious of cheaper versions made from resin mixed with metal powder rather than solid cast metal.
• Pottery– Many independent jewellers offer porcelain and china gift items, including figurines and decorative tableware.
• Tin/Pewter– Pewter gifts, such as tankards or animal figurines, are widely available for this anniversary.
• Steel– Stainless steel is a durable and stylish choice for watches and some types of jewellery.
• Silk– Some jewellers offer silk-covered gift boxes. Pairing a silk-covered ring case with a diamond ring would make the occasion even more special.
• Coral/Jade– A necklace or set of earrings featuring coral or jade makes an elegant anniversary gift.
• Ivory– Since ivory trade is now restricted, consider an alternative such as a watch with an ivory-colored dial or an elephant-shaped pendant.
• Crystal– Lead crystal glassware and picture frames are widely available at jewellers and make for a classic gift.
• China– Similar to the ninth anniversary, fine porcelain or china keepsakes are a great choice.
• Silver– There are countless options, from jewellery and watches to picture frames, ornaments, and antiques. If solid silver is beyond your budget, silver-plated items offer a more affordable alternative.
• Pearl– A timeless and sophisticated choice, pearl jewellery such as earrings or a classic pearl necklace makes an elegant gift.
• Platinum– One of the rarest and most precious metals, platinum jewellery is a luxurious and enduring anniversary gift.
• Ruby– A traditional ruby ring is a classic 40th-anniversary gift, though a ruby pendant or bracelet could add a unique touch.
• Sapphire– While blue sapphires are the most well-known, they also come in other shades, such as pink, offering a fresh and unexpected alternative.
• Gold– With a vast selection of gold jewellery available, options range from earrings and rings to pendants, necklaces, and watches.
• Emerald– Emeralds are available in many forms, from rings to necklaces. For a creative twist, consider an emerald-cut diamond instead getting a special gemstone five years early!
• Diamond– Diamonds symbolize strength and eternity, making them the perfect gift for a 60th anniversary. From diamond rings and necklaces to elegant timepieces adorned with diamonds, there are endless options to celebrate this incredible milestone.

Wedding Day Jewellery

Jewellery plays a vital role in completing the wedding attire for both the bride and groom. Whether incorporating something old, new, borrowed, or blue, there are countless traditional and contemporary jewellery options to complement the occasion.

Valentine's Day

For centuries, jewellery has been a timeless expression of love in all its forms. From friendship bracelets to treasured engagement rings, there are countless ways to say "I love you" and show how much someone means to you.

Mother’s Day

Mother’s Day is the perfect opportunity to express love and gratitude in a meaningful way. When flowers don’t feel like enough, jewellery serves as a lasting and heartfelt gift.

5. Measuring Ring Sizes

Once you've found the perfect ring, the next step is ensuring the right fit. A ring should be snug enough to stay securely on the finger but loose enough to slide over the knuckle. When measuring, avoid doing so when your hands are too cold, as finger size can fluctuate due to temperature and humidity. Measuring when your fingers are at their largest will help guarantee a comfortable fit in any weather.

6. Five Key Considerations When Buying Jewellery

Deciding whether or not to purchase jewellery is always a significant choice. While jewellery is undeniably beautiful and captivating, it often represents a considerable investment. To ensure you make the right decision for both your budget and personal style, here are five essential factors to consider before making a purchase.

1. Style

Just like fashion, jewellery comes in an array of styles. Are you looking for a timeless classic or something more modern and trendy? A gold necklace, for example, can be designed in countless variations, so researching different styles and finding one that complements your personal taste is essential. If you plan to wear the jewellery frequently, consider whether the design is versatile enough for various occasions such as work and social gatherings and whether it will remain stylish over time.

2. Materials

Jewellery is crafted from a wide range of materials, from leather and plastic to high-value precious metals like gold and silver. The purity of these metals varies, affecting both price and durability. For instance, 18-carat gold contains 75% pure gold, making it softer and more expensive, while lower-carat gold alloys are more durable for everyday wear.

Similarly, gemstones differ in value based on their quality. Their grading depends on several factors, including clarity, colour, cut, and carat weight. Understanding these elements will help you make an informed choice when selecting a piece.

3. Skin Tone

A piece of jewellery may look stunning in-store, but it’s important to ensure it complements the wearer’s skin tone. While many people can wear both warm and cool-toned metals, some may find that certain metals and gemstones suit them better than others.

The best way to determine if jewellery complements your skin tone is to try it on under both natural and artificial lighting. Generally, fair skin tones tend to suit cooler metals like silver and platinum, whereas darker skin tones often pair well with gold and deeper-coloured gemstones.

4. Longevity And Purpose

Consider how often you will wear the jewellery. Is it intended for a one-time event, or will it be a staple in your collection? Quality jewellery, when well cared for, can last for generations, making it important to think about its practicality. While special occasion pieces can be a beautiful addition to your collection, they may not be the best investment if they remain unworn for years.

If you're purchasing jewellery for a single event, such as a wedding, consider whether it can be worn on other occasions as well. Timeless designs are often a better long-term investment than trendy pieces, which may quickly go out of style.

5. Value For Money And Budget

Budget is a crucial factor when buying jewellery. Prices vary significantly based on material quality, craftsmanship, and origin. It’s essential to do your research to ensure you’re getting good value for your money. A reputable jeweller will be transparent about pricing differences and help guide you toward the best option within your budget.

By carefully considering these factors, you can make a well-informed jewellery purchase that aligns with your style, budget, and long-term satisfaction.

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7. How To Research Jewellery

When purchasing a new piece of jewellery, there are several important factors to consider beyond just budget and aesthetics. To make an informed decision, it’s essential to understand the materials used particularly precious metals and gemstones ensuring that you invest in a high-quality, valuable piece.

Precious Metals And Hallmarking

Jewellery is predominantly crafted from precious metals such as gold, silver, and rarer options like platinum. Each metal has distinct characteristics, appearance, and value, with gold and silver remaining the most widely used in jewellery making.

• Gold– Naturally yellow, gold can also be alloyed to create other shades. Rose gold, which has a pinkish hue, is made by adding more copper to the mix, while white gold is produced by blending gold with silver or palladium.
• Carat (Karat)– The purity of gold is measured in carats, with higher carat gold containing a greater percentage of pure gold and fewer additional metals.
• Silver– A bright, durable metal, silver is widely used for all types of jewellery. Most silver jewellery is made from silver alloys, combining silver with other metals to enhance its durability for everyday wear.

Hallmarking, a system in place for over 700 years, guarantees the authenticity and purity of precious metals. In the UK, hallmarking serves as the oldest form of consumer protection. Since 1998, three mandatory marks must be present on hallmarked jewellery:

• The maker’s mark, identifying the company that produced the piece.
• A number indicating the metal’s purity.
• The assay office mark, verifying where the metal was tested.

For jewellery made before 1998, an additional year mark was required to show when the item was tested.

Birthstones

Birthstone jewellery is a meaningful way to commemorate a special occasion, whether a birthday, anniversary, or another significant event. Each month and astrological sign is associated with a unique birthstone, believed to hold distinct symbolic properties. For instance, sapphire the birthstone for September represents purity and faithfulness.

Choosing jewellery with a birthstone adds sentimental value for both the recipient and the giver, making it a thoughtful and personalized gift.

Buying Gemstones

Gemstones, available in a dazzling array of colors and shades, are becoming increasingly popular. While diamonds were once the most sought-after choice, many consumers today are exploring a broader selection of gemstones.

The term "gemstone" covers both mineral crystals, which are cut and polished for use in jewellery, and organic gemstones, such as pearls, opals, and amber. Only crystals that are durable and can be cut into polished stones are typically used in jewellery making.

When purchasing gemstones, thorough research is essential. Most gemstones are graded based on color, cut, clarity, and carat weight, though the grading criteria can vary depending on the type of stone. Higher grades generally indicate superior quality and value.

It is also common for gemstones to undergo enhancements. Some treatments, like heat treatment to intensify a gem’s color, are widely accepted within the industry. However, certain treatments may affect the durability or care requirements of the stone, so it’s important to be aware of any modifications before purchasing.

Buying Diamonds

Whether you're purchasing a diamond engagement ring or treating yourself to a special piece, diamond jewellery is often one of the most significant investments you'll make. Given the high cost associated with diamonds, making the right choice is essential. To help you buy with confidence, we’ve put together a comprehensive guide covering everything you need to know before making your purchase.

The 4C Grading System

Diamonds are evaluated based on the 4Cs Cut, Clarity, Colour, and Carat. Each factor plays a role in determining the quality and value of the stone.

• Cut– Often considered the most important characteristic, the cut influences how well the diamond reflects light. A well-cut stone maximizes brilliance and sparkle, making it more desirable and valuable.
• Clarity– Natural diamonds form under extreme heat and pressure, often resulting in internal imperfections, known as inclusions. Diamonds with fewer or less visible inclusions are rarer and therefore more valuable.
• Colour– Diamonds are graded based on their lack of colour. The closer a diamond is to being completely colourless, the higher its value.
• Carat Size– Carat refers to the diamond's weight rather than its physical dimensions. As carat weight increases, so does the price of the diamond.

Sustainability And Ethical Sourcing

The origin of diamonds and their environmental and ethical impact have become increasingly important to both the industry and consumers. When purchasing a diamond, it’s essential to look out for certifications and ethical sourcing guarantees to ensure a responsible and sustainable purchase.

Trending Jewellery

Just like fashion, jewellery trends are constantly changing. Our Trendspot Blog, led by The Jewellereditor Belinda Morris, keeps you updated with the latest jewellery styles and industry insights. With direct input from NAJ members, we provide exclusive access to emerging trends that are shaping the market.

Jewellery Ethics

The NAJ and its members are committed to ensuring transparency and traceability in jewellery production. As a founding member of an ethical standards committee, the NAJ collaborates with NGOs, legislative bodies, and suppliers to address ethical concerns and improve industry standards.

8. How To Choose A Jeweller

Selecting the right jeweller is just as important as choosing the perfect piece of jewellery. Whether shopping on the high street or online, buying from a reputable and knowledgeable jeweller provides peace of mind and consumer protection.

Buying From A High Street Jeweller

Purchasing jewellery from an independent jeweller or a well-known high street store allows you to examine the item in person before making a decision. This ensures you are satisfied with the quality, fit, and appearance under different lighting conditions. Additionally, knowledgeable staff can answer any questions, helping you make a well-informed purchase.

Buying Jewellery Online Or Via Mail Order

Online shopping offers convenience and sometimes better pricing, but it also comes with risks. Since you rely on images and descriptions, the actual item may look different in person, potentially leading to disappointment and returns.

Under the Consumer Contracts Regulations, you have 14 days from receiving your order to cancel a contract for jewellery purchased via telephone, mail order, email, or fax (excluding custom-made items). If you decide to return the jewellery, you must notify the seller in writing via letter, email, or fax (not by phone). It’s recommended to send return requests using Royal Mail Special Delivery to track and confirm your request.

Once a return is made, the seller must issue a refund within 30 days of the cancellation. This refund must include the cost of the jewellery and, in some cases, delivery charges (unless otherwise stated in the purchase agreement). It is illegal for sellers to impose additional charges on your refund.

If you purchase from an NAJ member, you can seek assistance from the NAJ in resolving any disputes. For non-members, Trading Standards is the best point of contact for complaints.

Benefits Of Buying From An NAJ Member

Choosing an NAJ-accredited jeweller ensures added confidence in your purchase. All members follow the NAJ’s strict code of conduct, which prioritizes honesty, integrity, and professionalism.

NAJ members also receive professional training, ensuring you receive expert guidance and customer service. If an issue arises, contacting the jeweller directly is often the quickest way to resolve it. However, if further support is needed, the NAJ is available to assist.

Returning Jewellery

Before purchasing, always ask the retailer if they offer a returns policy beyond your statutory rights. Keep in mind that jewellers are not obligated to accept returns simply because an item doesn’t fit (if you had the chance to try it on), you changed your mind, or the recipient dislikes it.

You are only entitled to a refund if the item has a genuine fault that was not caused by misuse, an accident, normal wear and tear, or failure to follow care instructions. If you suspect you may need to return the item, request that the return period be noted on your receipt and always keep proof of purchase.

If you encounter an issue:

• Contact the jeweller immediately to report the problem.
• If possible, visit the store with the item, packaging, and proof of purchase.
• If returning by mail, call or write to the seller photos of the fault may also be helpful.

For minor defects discovered after wearing the item a few times, a repair is usually a reasonable solution. This will not affect your right to a replacement or refund if the repair is unsuccessful. Repairs should be completed within a reasonable timeframe and restore the item to an acceptable condition. If this does not happen, you may request a replacement, compensation, or refund.

If the item cannot be repaired or replaced economically, you can request a full refund. If you cannot reach an agreement with the jeweller and they are an NAJ member, you can contact the NAJ to file a complaint.

9. After Your Jewellery Purchase

Now that you’ve researched and purchased the perfect piece of jewellery, what comes next? From proper care and maintenance to insuring your item and handling any potential issues, there is still plenty to learn to ensure your jewellery remains in top condition.

Caring For Your Jewellery

Taking care of your jewellery is essential to maintaining its beauty and longevity. Over time, all jewellery needs attention to keep it looking as pristine as the day it was bought. Our comprehensive guide offers expert tips on how to safely care for your pieces.

Different materials require specific care techniques. Knowing what your jewellery is made of is key to preserving its quality. For instance, cleaning gold and pearls involves different methods delicate materials require a gentler touch to avoid damage.

As a general rule, always remove jewellery during activities that could cause scratches or impact damage. Keep pieces away from harsh chemicals, and when cleaning, opt for mild detergents. If you’re unsure about how to properly care for your jewellery, visit an NAJ-approved jeweller, who can assess its condition and provide professional care to keep it in the best possible shape.

Frequently Asked Questions

How Do I Know If A Piece Of Jewelry Is High Quality?

Look for reputable sellers, check for certifications, and examine materials like metals and stones for authenticity.

Is It Safe To Buy Jewelry Online?

As long as you buy from trusted websites with secure payment methods and clear return policies.

How Can I Determine My Ring Size?

Use a ring size chart or visit a jeweler for an accurate measurement.

What Should I Consider When Setting A Budget For Jewelry?

Factor in the quality, brand reputation, and the purpose of the purchase, such as a gift or personal collection.

Can I Return Jewelry If I Change My Mind?

Check the store's return policy, as many jewelers offer returns or exchanges within a specific time frame.

How Can I Tell If A Diamond Is Real?

Look for certifications from trusted organizations like GIA and examine the stone for markings or unique identifiers.

Conclusion

It's important to consider factors like pricing, design, and quality while buying jewelry. It is a smart investment if you do your homework on the materials and know how much the piece you have picked is worth. You can select jewelry that suits your needs and adds to your collection with confidence if you keep these things in mind.

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