Insurer being awkward about claim

My diamond ring was a one and a quarter carat stone set in platinum my wedding ring also platinum with a third carat of diamonds set into the band all princess cut stones. Earrings in platinum set with half a carat of baguette diamonds in cluster drop style. Therefore I don't think four thousand would be enough

Rs65 to answer your question I checked my policy documents and they state that jewellery and other valuables have a limit of thirty thousand pounds. This is unless you have a higher amount of valuable items beyond this figure you must then inform the insurer of this.

I don't wish to reveal who my insurer is thanks. As I said their third party who provides estimates for replacements gave the valuation of eight thousand six hundred pounds to replace the three items of jewellery. They did say the engagement ring could be replaced for six and a half thousand which is about right. Around one and a half thousand for my wedding ring on a like 5 like basis. And around six to eight hundred for the earrings to be replaced. I was informed most stores such as ernest jones or goldsmiths etc have these similar items at the prices they estimated. But as I say again and I'm fed up with repeating myself they have said f hinds vouchers to the value of four thousand have been offered. And this is less than half of the estimate their jewelery valuator quoted them. They want me to get cheap replacements as I don't think four thousand is enough to replace items of the quality and weight of the items. White gold is no substitute for platinum and we are insured on a like 4 like new for old basis therefore they must provide enough for me to be able to purchase items of the same carat metal purity and quality of stone. Not all diamonds are cut the same hence the higher price the same with white gold compared to platinum.