Claiming on insurance

[bbbbbbbbb]

Sadly lost my engagement and wedding ring.

Can find a replacement for the wedding ring like for like but not engagement. Does anyone know if it's acceptable to replace an item with a higher value item and pay the difference between what we had insured and the new item ourselves?

I did, when I lost my ring. The insurance company gave me a beaver rooks voucher so I sold it for almost face value and bought a ring I loved from an independent jeweller.

That depends entirely on your insurance company as they have different policies. You'll need to ask them.

Erm ... seeing as we don’t know what policy you took out I would suggest speaking to your insurers ...

@GladAllOver @devilboughtmysoul sorry I just meant in general, is it even an option before I approach them about it

Yes, I was a claims manager in an earlier life😁. Many insurers give vouchers (as they get a discount) you can spend them on what you want and top up...which is why suppliers give discounts.

@Userg1234 ok thanks! I don't get vouchers but the insurer pays the jeweller - hoping we can top up to get a better version rather then end up with worse than what I lost!

Yes you can no problem

@bbbbbbbbb

Sadly lost my engagement and wedding ring.

Can find a replacement for the wedding ring like for like but not engagement. Does anyone know if it's acceptable to replace an item with a higher value item and pay the difference between what we had insured and the new item ourselves?

My insurance company sent me a prepaid card for the value of the jewelry lost. I put that towards something else entirely.

Why don't you clarify with your insurance company? It really won't be an issue.