Really hoping for some advice regarding my recent insurance claim for a ring that I lost on Sunday. Aviva have agreed to replace it and have passed the claim on to IVAL - they haven't contacted me yet. The ring was bought 'for me' in 1962 by my grandmother - it was a platinum band with a round sapphire surrounded by 12 diamonds - she actually bought it a few months before my birth so was clearly gambling on me being a girl. She never actually gave me the ring in her lifetime but would show it to me often when she visited always telling me it would be mine when she died. When she passed away 8 years ago all her jewellery went to my mother who, remembering the annual promises, passed this particular ring on to me. Sadly my mother also passed away shortly afterwards. To say that I am devastated by the loss of this ring would be a massive understatement - I just have to keep reminding myself that it is only a ring - but the sentimental value is incalculable - and the thing has hardly been off my finger for 8 years! It was a really lovely ring, the quality of the craftsmanship and materials was amazing, it was something of great beauty that gave me enormous pleasure just to look at. It was irreplaceable. To be honest, reading the comments on here I am now sick to my stomach that I will be offered some cheap, lightweight, mass produced rubbish which - with the way I am feeling right now which is pretty emotional - will just make matters worse (still trying to remind myself it was only a ring but I'm welling up now just thinking about it). I simply don't know what to do - can I refuse the replacement if I hate it? What would happen then? I know that this is jumping the gun rather but I'd like to make sure I have done all I can at this early stage to prevent too much unseemly wrangling down the line. Any advice (apart from pull yourself together woman it was only a ring! I know, I know) would be gratefully accepted. L