Thankyou for the information it's very informative. Im still waiting on a response from norwich union, ill will let you konw how things go.

Ok thanks ill see how it unfolds

This thread is so ironic, my wife lost her engagement ring which was insured for £3300 I have sent off a valuation to ival that we had done in jan 2005 when we purchased the ring which was £2900, back then we started insuring it for the valuation price but norwich union took upon thereselves to increase the value each year which is why it is insured for £3300 now.My problem being now is that my wife does'nt want to replace the ring(she may later down the line) as it had to much of a sentimental value, so we are looking for a cash settlement but obviously feel that we want the full amount of the item insured, any advice would be great. thanks

yes