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Fiancee lost her Ring, waiting for call from Cotswald, who are these?

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To cut a long story short my fiancee lost her ring during a outing with the children. After numerous day searching the area we had no luck. Anyhow decided to call Virgin today who were pleasant who transferred the call to our insurer. After a friendly call explaining the circumstances we were told "Coltswald" (?) would call us within 24hrs to go into more depth detail. Who are these people and what should i expect. Excuse my ignorance this is the first time I have ever claimed.

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  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    They are probably loss adjusters, they will be talking her through how she lost her ring, the value, etc.

    They are trained in this on the phone, if she tells exactly what happened things will be okay.

    She must be devasted, I lost a little onyx ring, not worth a lot, but major sentimental value and I was upset for such a long time.

    Good luck and hope things go okay.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • FlameCloud
    FlameCloud Posts: 1,952 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Is it a valuable ring?
  • agrinnall wrote: »
    Crikey they look a bit scary. Yes the ring was valuable, more sentimental to me as it was given to my mother before my father passed away. The ring is the most expensive item in the household. hence we had additional cover for it. Almost had a divorce before the actual wedding this week, stressful time!
  • geri1965_2
    geri1965_2 Posts: 8,736 Forumite
    What's the value of the ring and when did you take the policy out?
  • TSx
    TSx Posts: 867 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Cotswold will be validating the claim - this involves (usually) a 30-60 min telephone interview and then a document request letter. Their job is not to repudiate your claim, but rather to detect and deter fraudulent claims and ensure that claims are validated fully. They are not actually loss adjusters, all the work they do is over the phone.

    edit: this is how the insurer I work for used them (six months ago), although we don't use them any more.
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