Lost Wedding Ring on Holiday - Travel Insurance?

united4ever

Hi, my wife lost her wedding ring on the last day of our holiday abroad. She things it slipped off her finger in a car park. We unpacked at home and checked our luggage carefully but it is not there. I have a pretty basic insurance policy with Debenhams. I have not got the receipt for the wedding ring (10 years old). My bank statements I do not have either (Alliance & Leicester 10 years ago but I haven't had an account with them/or Santander who replaced them for many years). All we have is photos of us with my wife wearing the ring (visible) over the years. It cost about £800 ten years ago. We have no chance of a succesfull claim do we?

Quentin

You need to see what cover is provided for valuables in your policy docs and take it from what you discover there.


Or short circuit that and ask Debenhams claims department.


(Maybe you have cover via your house contents insurance?)

FutureGirl

Check your travel insurance policy documents, as there will likely be limit for valuables, and they'd deduct a % for wear and tear.

Your home insurer should cover it if you have personal possessions cover for overseas. They will ask for a description of the item, and then any paperwork you have for it (receipts, valuation etc). Lastly they should accept a photograph of the ring, but that wouldn't show any weightings of the ring, so it'd likely be valued on a low quality.

rs65

united4ever wrote: »

It cost about £800 ten years ago.

The basic Debenhams policy seems to have single item limit of £200 - but check your policy.

As Quentin says, check your home insurance, but read the policy rather than phoning them.