Diamond fell out of ring.

GE0RDIE

I bought my partner a ring in May, and a diamond has fallen out of it. 
I did purchase insurance at the time, for loss, theft and damage.
I'm wondering what is the best way to proceed? 
I've informed the seller (a major chain) but I'm wondering if I should use the insurance or if a claim under my consumer rights would be better?
I'd imagine the ring had a problem in order for a stone to fallout. 
Would the sale of goods act cover me? Would claiming under the insurance affect my rights in any way?  

Pollycat

Have you had a response from the shop?

I'd wait to hear what they have to say.

Because a stone fell out doesn't mean there was a problem with the ring.

It may have been damaged (e.g. knocked) and the setting disturbed, allowing a stone to fall out.

Sandtree

Given the age it'd be best to start with the statutory rights with the merchant as they'd have to show the loss was caused by damage you've caused rather than you having to prove it was faulty. They will obviously look at the claws and see if any have been snagged and pulled out of place. 

Ultimately if they do state its accidental damage then the insurance is the appropriate channel.

GE0RDIE

No response from seller (not surprising as it's Sunday). 
I'd expect a ring to be able to withstand some 'stick' but good point, I can see how the shop would need to see that it's not caused by damage before incurring costs. 
I might get second opinion from an independent jeweller, before sending it back.
If they say it's damaged then I'd happily use insurance. Just worried that there may be a limit to claims. 

Sandtree

GE0RDIE said:

I'd expect a ring to be able to withstand some 'stick' but good point

Why would you?

These things are always about balance... look at the "rugged" version of anything and the "designer" version... one looks pretty but cannot stand knocks and the other is ugly as sin but can be dropped down 3 flights of stairs.

The more metal you have around the diamond the more secure it is, the more metal you have around the diamond the less of the diamond you see. Most opt to see the stone 

ChirsPalmer

Hello Geordie,
It's a stressful event to have a diamond fall out of your ring. Your ring isn't unbreakable, but don't worry; it happens more often than you think! This isn't always due to poor craftsmanship; a ring that is worn regularly is more likely to be destroyed. Because side stones are smaller and more susceptible to impacts and blows, they fall out more frequently than center stones. This is why it's critical to remove your engagement or wedding ring before engaging in any vigorous activity. Keep the stone if you can find it; your jeweler will most likely be able to re-set it in your ring. You should register a claim if you have engagement ring insurance.
Hope this helps.

Jenni_D

Do you still have the diamond? The remedy from the seller may differ depending on the answer. (If you still have it then they'll likely be more amenable to doing a free repair - if the diamond is lost then they're more likely to find that the fault was user-caused damage).

sheramber

What do you mean by 'some stick'.

All you need to do is catch a claw on something  ( a piece of clothing , for example) and it could open slightly,  resulting on a weakened claw that eventually opens a little more and the diamond falls out.

Flight3287462

ChirsPalmer said:

The process of filing a jewellery insurance claim is fairly similar to that of filing an automobile insurance claim. A claim number will be assigned to you, and you will be required to provide any relevant images, police reports, and paperwork regarding your stolen jewellery. A value appraisal for the stolen piece and, if it is a piece of diamond jewellery, the central diamond's GIA or AGSL certification report are two documents that will be required to file a jewellery insurance claim. There's no need to be concerned if you misplaced your appraisal or diamond grading report if you bought your jewellery from a reputable jeweller. You should be able to request another appraisal, and the grading labs should have no trouble sending it to you.

What has your answer got to do with OPs problem?  

Aylesbury_Duck

Flight3287462 said:

ChirsPalmer said:

The process of filing a jewellery insurance claim is fairly similar to that of filing an automobile insurance claim. A claim number will be assigned to you, and you will be required to provide any relevant images, police reports, and paperwork regarding your stolen jewellery. A value appraisal for the stolen piece and, if it is a piece of diamond jewellery, the central diamond's GIA or AGSL certification report are two documents that will be required to file a jewellery insurance claim. There's no need to be concerned if you misplaced your appraisal or diamond grading report if you bought your jewellery from a reputable jeweller. You should be able to request another appraisal, and the grading labs should have no trouble sending it to you.

What has your answer got to do with OPs problem?  

Tinned meat.