I'm gutted... The diamond from my engagement ring has come out... I don't know what to do as I can't find it and my husband doesn't think he kept the receipt or any payment proof (he paid cash I think).  We've been through so much and I know all engagement rings are special but this has broken my heart.  Has anyone here ever claimed on their contents insurance?  According to mine, if jewellery is worth more than £500 (which it is/was) then a receipt is needed :o(.... He bought it approx 3 years ago and didn't take out the shop insurance although that would have lapsed now anyway... Any ideas?... good job I've got some a cuddly puppy to comfort me... Kay

Why not give the insurance company a ring (sorry for pun )?  You never know they might feel generous enough over the lack of a receipt if you have not been big claimers and it will only be for the cost of a replacement stone.  I do feel your pain though.  I have had my ring for 26 years and would be devastated to lose it.

claim for 500 pounds worth add a little more and go get yourself ANOTHER  "engagement puppy"  far better me thinks.
i know your upset but you cant do anything about it now, or with that 500 go on a lovely romantic walking holiday with you oh and pup

Why not take it to a jeweller and ask what they'd charge to replace the stone? My wedding ring is a ring with several stones (I did things a bit different -my engagement ring is plain gold but in the shape of a cat!) and a few months after we got married one of the stones fell off and I couldn't find it. We did have the receipt etc but the shop insisted all they could do was replace it for another the same. I had no choice but to accept it, but it has always bothered me the ring I am wearing ISN'T the one I actually got married with. Had I not had the receipt I'd definitely have gone to a jewellers to ask about a repair instead.

Yes claim on your insurance did he pay for it with a card? cheque? could you check payment through the bank? But if not  I lost all of my stuff and they had an assesor come, have you a picture of you wearing it? (you have the rest of it anyway) I did not have any receipts and my claim was about £3000 all in all for stuff from my grandparents ect. You should be fine just phone it in asap and say you noticed it today.

Thanks for all your replies... I only noticed it today and it's made hubby quite down too and he's tough as old boots.  So you think I am better to tell the insurance company that it's damaged and not just tell them I've lost it?  I guess so, as I would have no proof that it existed otherwise...  I don't have a picture of it 'pre-today' but yes, the remainder of it is still on my finger :o(.  It was paid for in cash so no record at all, so not only is it emotionally very sad, it is financially hard too.  I guess we should have taken separate insurance out for it or maybe I shouldn't have worn it as much but then I'd never have worn it as 99% of my life is mucking around with dogs and children!  I would rather have it repaired (as it's the ring I got married in) but that may cost far more than what the insurance may pay.  As for another puppy instead, not a bad idea as rings don't seem to live forever either but I think I've got enough 2 legged and 4 legged babies around right now! Kay x

No just tell them the stone has come out they will ask for a quote from a jewler and they should cough up the payment usually to the jewler we had no problems and mine was a lot! It will not be all of the £500 to replace as the design, making and gold costs will be deducted so that drops the cost back under the £500 anyway, but itemise it then and add it to your policy I bet you dont have a problem at all.

I've not read the full thread but I lost my ring two years ago and they wouldn't let me claim as I hadn't detailed in my policy which I changed with this new ring. With my ins if an item is over 2k they need a receipt. I would give them a wee call and see what they say, I know how you feel I was really upset too.

I would definitely explain the situation to your insurance company, telling them that the stone has come out and been lost, not that you've lost the actual ring.

I lost my diamond pendant about three years ago (which had been my hubby's mums) and was absolutely destraught, so I know how you're feeling.  Our insurance policy states that you don't need to specify individual items under £1000.  We knew where my FIL had bought it (a jewellers we have used in the past) and they gave us a quote for replacing it, which was passed onto our insurance company.  The only other thing they asked for was a photo of me wearing it if I had one, which I did.  I also stated to the insurance company that I wanted to use this same jeweller who had made the original pendant to replace it.  They sent either me or the jewellers (I can't remember which) vouchers to the claimed amount and I was able to replace it.  It's not the same as having my MIL's (but it is 0.2 carats bigger) and although we were both very upset at the time, we got over it.

> So you think I am better to tell the insurance company that it's damaged and not just tell them I've lost it?

Yes, absolutely.  Always tell insurance companies the truth not just for ethical reasons but because if they ever find out you have falsified a claim you will be denied insurance in future. 

The stone came out of my engagement ring about 5years ago, I asked OH to get it repaired as he had the diamond in a safe place (I was secretly hoping he would upgrade the diamond to a larger one :-D).

I asked him recently where said diamond was, he has no idea, :( we have moved house since so it could be anywhere.

So alas I am still waiting.

Oh gosh, I can only imagine what that must have felt like, we do place so much sentiment on these things don't we?  Thank you so much for that advice, We won't be able to call in to the shop he bought it as it would be a 380 mile round trip now we've moved away!  I imagine I could probably post it to them.  Do you think the insurance will quite happily pay out?  I know they're not going to cover for the full amount with no receipt or perhaps they will if the shop say it was bought from them just by seeing it?  Kay xx

Do all you doggy folk with kennels and lots of mucking out/about to do always take their rings off?  I never did, now wish I had although like I said earlier, I'd never wear it if I saved it for best!

I would tell the insurance co. that the stone was gone but the ring itself was ok.

They may refer you to a jeweller to have a costing to have a new diamond fitted, if they don't do this and only pay out £500, why not go to a decent jeweller (small business, not big high street name) and ask how much it would cost to have an imitation stone fitted? I worked as a Lost Wax Caster for 16 years and the quality of some 'fake' stones then was amazing - Unless you were an expert you could not tell they were 'fake'.
Ethically it's a lot better to have a fake than the real thing and really it's all the love and memories in the band itself that counts.

Good Luck

I had no idea where half of my stuff came from so I went to a jewler of my choice, he gave me an estimate and they sent him the money direct.
Some of my stuff was victorian, some could not be replced so I had new pieces made to the money I had to spend. Insurance was no problem at all accidents happen and loss thats why you are insured in the first place. Just phone for a claim form simple.

Heres a site which may help you decide to go for a lab 'fake' if the insurance don't pay out the full amount: http://www.novori.com/synthetic-imitation-diamonds.php

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Hi molezak

since it was only around three years ago the shop should be able to dig up a record of the purchase, even if paid for by cash.  Expensive jewellery items are on inventories otherwise security would be very lax - all those trays of sparkly things have to be accounted for.  In all likeliehood the shop has details of your particular ring's stock number (or possibly if of a certain value a lazered number on the diamond itself) and they should also have the details of the purchaser (your OH in this instance)   If the shop has a record this is all the detail your insurance co will need because it will describe the size, cut, quality etc of stones and setting.

HTH, Teri :)

We had been  out for the day, driving to our destination and then taking a long dog walk. It was hot day and I hate wearing rings any way but especially when hot so I took my wedding band off and put it in my pocket.
Next day the post man knocked at my door, with my ring!! He had seen it on our lawn.. I had not even realised I had dropped it. It must have fallen out my pocket while I was juggling dogs and leads and bits from the back of the car.
The thought that I may have lost it upset me enough so you must have been really upset to actually loose yours.

> good job I've got some a cuddly puppy to comfort

(Might it be an idea when doing 'Poo patrol' to give them a little squish... Just incase??)

I hope it turns up or you manage to replace it Kay xx

Why don't you contact the shop he got it from, explain to them what's happened and hopefully they'll be able to give you a valuation or something.  You could ask them if it's worth sending it back to them (just remember to use a secure method of post that's insured - maybe a courier, but at least special delivery) of if they think it's something that could be repaired at another jewellers.  You could possibly email them a photo as it is just now to remind them what the ring's like.

Good luck, fingers crossed your insurance company pays out.  I don't see any reason why they shouldn't though to be honest. :)

I lost a diamond bangle my husband bought me as a birthday gift. It was also paid for by cash (£1000) and our insurance did pay out (£1200) eventually without any proof. We had to both be interviewed by telephone though.
I think because you still have your ring it will not be too difficult for a jeweller to value it as it was and give you a price for repairing it.
Are you sure you have to detail anything over £500 ours is £2000?
Good luck with it anyhow.