Lost ring

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pieceofcandy
pieceofcandy Posts: 14 Forumite
in Insurance & life assurance
Hi all,

So the mrs has lost her eternity band. She’s come back from shopping and thinks when she swapped the shopping bags to her other hand it’s come off. Looking on the home insurance we have personal possessions cover up to £5,500. The ring cost was £3,200 back in 2009. I have proof of purchase and everything

I didn’t specify the ring though so where do I stand?

Thanks

Tim
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Comments

  • Faith177
    Faith177 Posts: 2,927 Forumite
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    Do you!!!8217;re policy documents say if there is a single article limit and does it say if you have personal possessions away from the home?
    First Date 08/11/2008, Moved In Together 01/06/2009, Engaged 01/01/10, Wedding Day 27/04/2013, Baby Moshie due 29/06/2019 :T
  • pieceofcandy
    pieceofcandy Posts: 14 Forumite
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    It just says personal possessions £5,500

    Nothing else??
  • pieceofcandy
    pieceofcandy Posts: 14 Forumite
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    There is no specified items insured in the home or away.

    But I can!!!8217;t find if it!!!8217;s included in the !!!8216;personal possession!!!8217;??
  • pieceofcandy
    pieceofcandy Posts: 14 Forumite
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    Sorry above post has gone weird

    Basically even though it!!!8217;s not specified in the home or away is it covered under personal possessions?

    Think that!!!8217;s my question!!!

    I!!!8217;ve told her no more shopping
  • kazwookie
    kazwookie Posts: 13,843 Forumite
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    Ring up your insurance comany and ask them.
    Breast Cancer Now 2022 100 miles October 100 / 100miles
    Sun, Sea

    2024 7/28 lbs to go.
  • pieceofcandy
    pieceofcandy Posts: 14 Forumite
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    I take it it’s not black and white?

    I haven’t claimed on a contents policy before
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    pieceofcandy wrote: »
    Sorry above post has gone weird

    Basically even though it!!!8217;s not specified in the home or away is it covered under personal possessions?

    Think that!!!8217;s my question!!!

    I!!!8217;ve told her no more shopping


    Its a forum issue affecting those on iPhones I believe.
  • pieceofcandy
    pieceofcandy Posts: 14 Forumite
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    If I ring and ask will they charge me?
  • FutureGirl
    FutureGirl Posts: 1,252 Forumite
    First Anniversary Combo Breaker First Post
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    Personal Possessions covers you for losses outside of the home.

    If the item is not specified, then the single article limit for valuables will apply.
  • EdGasketTheSecond
    EdGasketTheSecond Posts: 2,558 Forumite
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    I think you'll need to report it missing to the police and get a number from them. Otherwise everyone would be at it; saying they lost their expensive ring and taking £3K off the insurers.
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