THE jewellery you're wearing today might amount only to a watch, a wedding ring and, if you're a woman or an adventurous kind of guy, a necklace - but you're still one of the bling kings' of Scotland.

A survey says Glaswegians wear the most jewellery north of the border, and in UK terms are second only to Northampton.

Wearing £468 worth of jewellery each, we're in the same league as such places as Wrexham, Plymouth, Stoke and Birmingham, while people in metropolitan London, a city you'd normally expect to find awash with bling, wearing just £286 worth of silver and gold.

The figures emerge in a poll carried out for home insurance giant Halifax.

It found that Britons own jewellery worth £52billion, and that five million of us own more than £5000 worth of beads, baubles, rings and things.

Though most of it is kept in drawers or jewellery boxes at home, some £8.6bn worth is worn each day to work and social events by an estimated 34m people.

The average home contains £1986 worth of jewellery, though some areas are flashier than others.

Glasgow, on £2272, is doing well, just ahead of Leeds, but it trails such cities as London, Liverpool and even Aberdeen, with nouveau riche Milton Keynes top of the list on £3186.

There is a serious point to the survey: one in three people have never had their jewellery valued, while a further 10% have not had a valuation for at least 10 years - during which time the price of gold has soared.

Insurance experts say jewellery collections should be valued every three years to account for fluctuations in the market for precious metals and diamonds.

Martyn Foulds, senior claims manager at Halifax, said: "Many people with expensive jewellery may be selling themselves short by not getting their articles insured for the correct amount."

Intrigued by the bling kings' line, we asked: how important is jewellery to you? Some ladies love to shine but the guys prefer the low-key look ALISON LYNNE, bank employee, Kirkintilloch: I like to wear jewellery - it means a lot to me. It is nice to wear with a dress and is always a good accessory. ALEX ANDERSON, 32, nurse, Glasgow: I don't think about how important or how expensive my jewellery is, but it is always nice to have as an accessory to wear. CLAIRE DAVIDSON, 29, office worker, Hamilton: I don't like to wear a lot of jewellery and only really wear my wedding ring or a chain. ALISON MCDOWALL, 25, financial manager, City Centre: Wearing jewellery is quite important to me. What's the point in working hard if you can't enjoy it? EMMA HENDERSON, 28, account manager, Dennistoun I like wearing fashion jewellery, but it is not something I spend a lot of money on. ADAM WARD, 19, student, City Centre: I don't wear that much jewellery but I always like to wear a watch BILLY ANGUS, 54, electrician, Wishaw: The only piece of jewellery that I really wear is a watch. Wearing jewellery is not that important to me. CRAIG ANGUS, 20, labourer, Wishaw: I don't wear that much jewellery, it is not something that I really think about.