I have claimed for my lost engagement ring thru direct line insurance and have filled in all the relevent paperwork and paid £200 excess. They passed me over to their jewelry assessor a company called LMG. They have in turn asked for more information including a photo if possible of the ring - which again I have supplied.
They have now given me a valuation and 3 options which are -
1 a voucher for the valution for the Signet group which are H Samuel, Ernest Jones or Leslie Davis or
2 - a remake of the ring by one of their personal jewellers or
3 the cash equivalent but the cash is only half of the valuation and doesn't even cost the price of the ring way back in 2003!!
So - do I have to accept these conditions? - I have looked at Ernest Jones and H Samuels websites but I don't see anything I love there however I have seen a ring I really like within the valution but with a different jewellers. I have agreed to get the personal jeweller out to see if she can help me.
She is booked to come to my house to look at designs etc and perhaps make a new ring for me but on speaking to friends about this they have said that their experience with the "personal jeweller" was a rip off and the jewelry offered no where near the quality they would have gotten from local jewellers!
Do I accept there is no way round this? I am already really down about losing my engagement ring - that I took months to choose - due to the fact that my hands are not the delicate hands of female kind but almost like man hands so a solitaire would look lost on them - unless I had a good few thousand to spend - which I don't! Any help would be appreciated...