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Lost engagement and wedding ring

I’m so upset! I’ve lost my engagement and wedding ring totalling up to £10,000. Its insured on home insurance valued at £14,500. The rings were bought 2.5 years ago. I still have kept the certificate and receipt. Last time I remember was wearing it at Bluewater shopping centre on Sunday, I never take it off in public. Now I’ve been at home and only just realised yesterday it’s not on my hand anymore. I take it off only at home; showering, in kitchen doing dishes, changing my baby, drying my hair or going to sleep. I can’t believe I can’t find it. I’ve searched everywhere, moving furniture and emptying everything as if I were moving house. The ring is insured separately at £14,500 with £500 excess. Insurance covers; loss, theft, damage and abroad. How can I be so stupid to lose my ring at home? I’m certain of it but I can’t find it anywhere. I’m worried if I tell my insurance they will reject my story as last time I remember wearing my rings was when I was out shopping, but I never take it off unless home. Would they reject that?

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