Lost Earring insurance claim

Mrs.T.B

I recently lost one of a pair of earrings and my insurance company asked me to send the remaining earring to them with its valuation certificate and receipt so I could make a claim. I was asked to put on the documents that I wanted the items returned to me.

The claim was dealt with and settled and then I remembered that I hadn't heard about what was happening with my original earring and documents. I called the insurer and was eventually told after being passed about that they owned it now and only if I paid them could I have the items returned to me.

I do understand the logic behind this but I feel that this should have been made clear to me at the beginning of the process.

Is this normal proceedure? Should they have made me aware of it?

forgotmyname

Did they pay out for a pair of earrings or just one to get another made to the same design?

If they paid out for a pair then yes, they paid you the value of a pair and you accepted their offer so its now theirs. They basically bought it off you.

Blibble

If they have paid out for both earrings, then they would take the un-paired old earring as salvage.

This would be, among other things, to stop you selling it on for scrap and making a profit, and for them to recoup a small amount of money after indemnifying you.