To spend insurance claim on whatever I want

[greenghoul]

Dh told me all my jewellery was insured. I asked him several times and he said yes 100% all is insured when he bought each item.
Of course if wasn't and I only found out after getting burgled.
Anyway cut long story short, home insurance would only pay out basic amounts on the policy for each item amounting to substantially less than what the jewellery was worth. The items stolen included my engagement ring. My dh is now offended that I've said I might not replace it.

To replace it I would have to take the whole claim amount and spend it on one engagement ring. I am so upset I've lost a lot of jewellery and tbh some of the other items for me were more important so I just don't want to replace it.

Aibu to spend it on whatever I want. I want to buy something for myself but not jewellery.

Buy what you like.
DH should have done what he said.

Nope not unreasonable.
He should have actually insured it when he bought it and at least checked when he was asked.
However I can’t imagine not wanting to replace an engagement ring- just get a cheap one (Argos?) then spend the rest on what you want.

Spend your money on whatever you choose.
You could also look at the Tru Diamonds website. They sell some lovely (expensive looking) but non diamond rings.

But any replacement engagement ring won't be your actual engagement ring. So I wouldn't replace mine if I lost it or had it taken anyway.

He can buy you another engagement ring in lieu of all the insurance policy money he didn't spend. He's lucky you're still wearing a wedding ring. I'm ok with not insuring personally, but not with his lying.

My engagement ring was stolen when our house was burgled, but it was actually insured for it's full value, which required submitting an appraisal of the ring and paying for a policy rider. So your DH didn't know what he was talking about or mislead you.

So I say spend it on what you like. I wanted to just bank the money but DH convinced me to replace it.

Your dh is being unreasonable. Because of his lies you've lost a lot of sentimental jewellery and therefore it's your decision what to replace it with.

In future though, the safest place to keep your jewellery is to wear it

Oh wow some sense thank you mn! I am still very angry and raw about the whole situation not necessarily for material items but because I checked with dh a few times and I didn't just blasé say something j said definitely insured yes as wouldn't want to lose it ...

@blaaake I do wear it but with a young dc my engagement ring would scratch them so I stopped wearing it and for my watches I wear an Apple Watch in the day and get the fine jewellery ones out for evenings and events. Many of the rings were not for everyday either.

Thanks @VictoriaBun I think I'm going to get a fake engagement ring and get something else. If anyone wants to judge my fine plastic then whatever

@MissConductUS oh yes I'm aware of this. Checked that one too with the dh. Every so often I'd say have you submitted the updated value of my ring. It's because I nearly lost it once years ago so was always paranoid.

Why on earth wouldn't you read your own insurance policy?
I cannot imagine not reading paperwork which applied to me, my home or belongings.

Yanbu
When I worked in insurance many years ago, lots of women did not want to replace jewellery after a house burglary for obvious reasons. Its an easy target/ no sentimental value and a reminder of a traumatic experience. I would do as you are. A fuck off cubic zirconia and something completely different. One women put the money towards a canal boat!

Well as you are now married I wouldn't bother replacing it no. I guess if you were still engaged then I would see the point.

@Lulualla dh bought the jewellery so was offered insurance policies each time. So I asked him and trusted him when he said he'd taken it out

@AJPTaylor I might tell dh I'm buying a canal boat now anyway. FWIW he works in bloody insurance so I feel like he should have this sorted. I'm not an idiot and more than capable but if he'd have just said nah I cba to sort it at least I'd have known where I stood without finding out this way.

dh bought the jewellery so was offered insurance policies each time.

Oh, I assumed you were talking about adding the jewelry to your property or renters insurance. I've never been offered insurance against theft or loss by a retailer.

Spend the money on whatever you want. If your DH is offended you're not replacing the ring I'd be telling him how offended I am that he either lied about the insurance or just didn't bother to get any.

What was his explanation for the lack of insurance op?

FWIW he works in bloody insurance

I hope the irony is not lost on him. Buy what you want, it's your loss and his mistake.

Yeah, I thought you meant adding the specific pieces to your current insurance, with valuations and all that. I didn’t think retailers offered that and I wouldn’t take it from them. All my jewellery and instruments have their own specific insurance and I wouldn’t have just ‘trusted’ that someone else had done it.

Lol @Lulualla I wouldn't trust 'someone' either. Only my dh. Who I now obviously don't