Engagement/wedding ring insurance

[xela21]

Could you tell me why you do / don't have insurance for your ring(s)?

We are soon to be married (weddings rings have recently arrived!). Rightly or wrongly I did not have insurance for my engagement ring. Convince me either way?

Also, how often do people clean their rings? My engagement ring has come back so sparkly and polished, I would love for it to look like this all the time. What options are there for cleaning?

I have a jewellery insurance policy. I didn’t get it for engagement or wedding rings - we went years without anything other than contents, but as I aged I was given a few higher value pieces that we wanted insured. The wedding and engagement rings are coveted despite not being terribly valuable.

Mines listed on the house insurance . I clean it weekly with a toothbrush.

I think it depends on the value of the rings. Mine weren't expensive when I was married, engagement was £60 wedding ring was £40 exdh's ring was £100. If they were thousands then I probably would insure them.

My engagement and eternity rings are listed as items over a certain value on our home contents.

I added my engagement ring to my household insurance.

My engagement and wedding rings and dh's wedding ring are listed as additional items on our home insurance. Depends on the value of the rings though

Mines on the house insurance, because it was just under £4k, I would be in bits if anything happened to it and I certainly wouldn’t want myself or DP to fork out that much to replace it (not that we would but it would be a shame knowing if we had it insured we may have been a lot different)

and it also feels a bit disrespectful to my partner that he spent a decent amount of money on this sentimental thing for me, the least we can do is protect it.

Our household insurance policy covers £xK of jewellery with a limit of several thousand per individual item. Given my ring was low hundreds not thousands that's fine.