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Probate Valuation Cost

How much should you expect to pay for a probate valuation? A transparent guide to fees by asset type.

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Typical Costs by Asset Type

Probate valuation fees vary depending on the type of item, its complexity, and whether a home visit is required. The table below gives indicative ranges based on current market rates.

Asset TypeTypical CostNotes
Jewellery£50–£150 per itemPer item or visit
Watches£50–£150 per watchPer item or visit
Art£75–£200 per piecePer item or visit
Antiques£100–£300 per visitPer item or visit
Classic Cars£150–£400 per vehiclePer item or visit
Gold & Precious Metals£40–£100 per assessmentPer item or visit

Prices are indicative and may vary by location and complexity. Most valuers offer discounts when assessing multiple items.

What Affects the Price?

Item Complexity

A single diamond ring is quicker to assess than a collection of mixed antique jewellery. Items requiring specialist knowledge (such as Old Masters or rare marques) may attract higher fees due to the research involved.

Home Visit vs Posted

Some items — particularly large antiques, collections or classic cars — require an in-person inspection. Home visits typically cost more than postal or photographic assessments but are necessary for accurate valuation of certain items.

Number of Items

Valuing multiple items in one appointment is more cost-effective than individual valuations. Most valuers offer collection discounts, making it sensible to gather all items for a single session where possible.

Location

Fees may be higher in London and the South East due to higher operating costs. However, nationwide coverage means competitive rates are available in all regions.

Why the Cheapest Valuation Can Cost You More

It may be tempting to seek the lowest quote, but a probate valuation is not the place to cut corners. An unqualified or inexperienced valuer can create significant problems:

  • HMRC rejection — If HMRC does not accept the valuation, you will need to pay for a second one from a qualified professional.
  • Overpaying tax — An inaccurate valuation (particularly one that overstates values) means the estate pays more Inheritance Tax than necessary.
  • Personal liability — As executor, you can be held personally liable if HMRC determines the estate was undervalued.
  • Delays — HMRC queries and re-valuations add weeks or months to the probate process.

A properly qualified valuer with professional body membership provides a defensible valuation that protects you as executor. The fee is a legitimate estate expense and can be deducted before calculating Inheritance Tax.

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Frequently Asked Questions

How much does a probate valuation cost?

Costs vary by item type: jewellery and watches typically cost £50–£150 per item, art £75–£200, antiques £100–£300 per visit, classic cars £150–£400, and gold £40–£100. Collection discounts are usually available when valuing multiple items.

Can I claim the valuation cost against the estate?

Yes. Probate valuation fees are a legitimate estate expense and can be deducted before calculating Inheritance Tax. This means the estate, not the executor personally, bears the cost.

Why are some valuations cheaper than others?

Cheaper valuations may lack the qualifications and insurance needed for HMRC compliance. An unqualified valuation that HMRC rejects costs you more in the long run — both in time and potential penalties. Always check that the valuer holds appropriate professional body membership.

Is there a discount for valuing multiple items?

Most valuers offer reduced rates when assessing multiple items in a single appointment, particularly for home visits. The per-item cost decreases as the number of items increases.

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