or was the jeweller?

[LoosingBattle]

I'm not sure, but am a bit and about the whole thing!

I lost my engagement a few weeks ago, luckily we had taken out an insurance policy with the jewellers where we bought it. I made a claim and got a call yesterday asking me to go in and choose a new ring. All good so far.

Went in today to be told that my original ring had gone up by £xxx so would need to pay the difference or choose something else. (nothing was mentioned about this in the policy, it states like for like cover).

Am a bit broke so didn't really want to have to pay more so had a look and there was another similar (possibly nicer ring) which was originally £xxx more than my ring but was in the sale and was now £xxx less than the new value of my old ring. Excellent, thought I might even get the difference back to spend in the shop. Only to be told that full price items can be used for insurance money, so they could give me that ring but only for the full price not the sale price so still £xxx to shell out.

I was getting a bit pissed off so finally chose a ring that was originally the price of my old ring, it was in the sale for £xxx less but that was fine because the original cost was exactly the same as the old one so nothing to pay. Only to find that when she put it through the till under insurance claim it did come up at the sale price, another assistant said oh does that mean the customer will get the difference back then? Our assistant went red and said she wasn't sure but didn't think so, stuffed my ring in a bag and that was that. Receipt says £xxx less insurance payment of £xxx change due £xxx.

So AIBU to think that

a) It should have been like for like cover
b) Sale items should be included in what you can get when you make a claim
c) We should have got the difference back in a credit note for the store

Another problem with jewellery is that scrap value and retail value differ enormously.

You could buy a solid silver tiffany ring at £1000, and in scrap value it really is no different to a £100 solid silver ring from Argos.

Watch out if you're claiming on your household insurance policy. Mine didn't cover me for items taken out of the house. Imagine how pissed off I was when I called to claim for a lost diamond pendant, only to be told that I wasn't covered. I am now, it's too late for this though.

Errr if the sales assistant seemed to be embarrassed when questioned by another member of staff about giving you the change, and the receipt says that you should have £xx change you don't think there's any chance that the saes assistant may have given themselves the change?

I would like to think not but I have seen this kind of thing happen many times before ....