Help - Just lost a diamond!!!!

kathrynrobson1011

Hello. I've just noticed that a diamond is missing out of my engagement ring. Can I claim on my house insurance??????

Gutted. Kat x

horsechestnut

If you have got accidental loss or have the ring covered individually on the policy then YES.
However, do check your excess amount, then go to a jewelers and ask how much it would be to have the diamond replaced.
I was in your position and it was cheaper not to claim on the insurance.

Naarwich

I managed to successfully claim through the insurer for an engagement ring however I had the Accidental Loss cover. Check your policy and also do as horsechesnut advises. You may be able to replace the diamond for a cost less than the excess on your policy.

kathrynrobson1011

Thank you. Just checked my policy and no accidental cover. Damn. I took the policy out in 2002 when I was only 19. Will have to take it to the jewellers and try and find out how much it will cost.

Thanks Kat x

Horace

Kat - when you next see the jeweller ask him to check the claws on your other diamond too. Best to get them checked annually anyway.

theoretica

If it is a relatively new ring and you have not abused it the diamond should not have fallen out and the jeweller who sold it may have to help- either under a warranty or under the lasting a reasonable length of time clause of fit for the purpose- sorry I can't remember the exact terms it is on this site somewhere. Worth a try anyway!