Faulty engagement ring

Aylesbury_Duck

miichelle211 wrote: »

It was £2000 and been quoted £1650 to replace the diamond. I just don’t see why I should hve to claim on my insurance and put my premiums up when I was sold a faulty item I feel like I’m going round in circles

I think you can make yourself feel better about the situation. Firstly, you pay insurance premiums for a reason. You may as well use it. As pointed out below, contents insurance premiums aren't normally badly affected by claims. There's no point spending thousands in premiums over the years and not actually using the policy when you need it.

Secondly, you're engaged to be married! Don't let this spoilt it. Get it sorted under insurance and enjoy.

LilElvis

miichelle211 wrote: »

I 100% guarantee that I did not knock or catch the ring, I was doing the nursery run and noticed it was gone! I just think this is ridiculous that a company can just say ‘accidental’ and get away with this. Going to try some more jewellers to get some kind of report. Say I got a report saying ‘the bottom clasp was never sufficient enough for the shape of the diamond’ would this make me win a court case?

Sorry, but that isn't true. You could have caught the setting putting your arm into your jumper or jacket, or snagged it drying your hands on a towel ... or dozens of other innocuous activities.

baza52

whats to stop someone buying a ring worth 10k or more then removing the stone saying its lost.
It could be a very good earner if the stone is worth shedloads.

miichelle211

LilElvis wrote: »

Sorry, but that isn't true. You could have caught the setting putting your arm into your jumper or jacket, or snagged it drying your hands on a towel ... or dozens of other innocuous activities.

No one bought a 10k ring and removed a stone themselves tho your just spraffing must be bored I’m asking for advice

LilElvis

miichelle211 wrote: »

No one bought a 10k ring and removed a stone themselves tho your just spraffing must be bored I’m asking for advice

I made no mention of the price of your ring. You've replied to the wrong comment.

baza52

miichelle211 wrote: »

No one bought a 10k ring and removed a stone themselves tho your just spraffing must be bored I’m asking for advice

i didnt say you HAD removed a stone from a 10k ring.
I said if it was that easy to just get a free replacement then anyone could buy a 10k ring and remove the diamond saying it had fell out.

CardinalWolsey

miichelle211 wrote: »

It was £2000 and been quoted £1650 to replace the diamond. I just don’t see why I should hve to claim on my insurance and put my premiums up when I was sold a faulty item I feel like I’m going round in circles

I'm going to play devil's advocate here:

The retailer might well be saying

I just don't see why I should replace the diamond when the most common cause for a stone to become loose from its setting (and subsequently be lost) is when the ring is accidentally damaged by the wearer.

Put yourself in the position of being a judge in county court presiding over this case. Or consider what the man on the number 11 bus would think. You have the retailer stating the stone has been lost due to damage. You have four jewellers unwilling to commit to writing (even for a fee) that the stone _might_ have been lost due to poor design / manufacturing fault (that the retailer may have documented in their evidence pack because you've posted that statement in a public forum), along with statements that would, to an average person, link you individually to those posts (e.g. date of purchase).

Whilst its normal to look elsewhere for blame, insurance is there to cover accidents. Claim on it, move on, focus on the wedding.

lincroft1710

Since the "true" value of a £2,000 retail ring is probably less than £1,000, asking £1,650 to replace the diamond seems excessive. So claim on your insurance and let them sort it out.