We insured a diamond ring for £8,000, then were told it was not covered

Legal & General has rejected our claim because we did not have an updated valuation certificate

My wife recently lost the diamond from her engagement ring, which must have dropped out while she was at work. We have always insured this under our home insurance. Each year the insurer has stated it will only insure it up to the value documented on an accredited valuation, regardless of what we say it’s worth. This has been the same for many years across numerous insurers’ policies. After using a comparison website, we ended up with a Bradford & Bingley policy underwritten by Legal & General. The ring was insured for £8,000, its approximate value the last time we had it valued in 2014.

Upon making a claim we have been rejected and pointed to a clause in our contact that states if any one item of jewellery is worth over £7,500 you must have a valuation within the last year of the claim.

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We insured a diamond ring for £8,000, then were told it was not covered

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We insured a diamond ring for £8,000, then were told it was not covered

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