Answer:
basically as you look at the neck lace or ring it will have a scratch or if it's doesn't that makes every thing different but u cansee if you look closely at it. It's 30 day granite if you insure it but don't know how much it cost. i have one but i don' know how much
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Perhaps I can help out a little more than the answer given above. Are there any markings on the piece of jewellery you have? Perhaps a hallmark or a makers mark. If so you can look this up.