We had a breaking a few weeks ago.

Insured by Barclays who passed it to IVAL.

We had 2 laptops, a DVD player (in car) and old video camera taken plus a large quantitiy of my wife good jewelery.

Within 9 days we had 2 new laptops in our possession. I'm an IT geek and both were well over spec for what was stolen .

I was obviously very pleased with the result.

a few days later we received a currys(could be comet) card with a value assigned to it. The DVD player was purchased on ebay for £65. we were credited £99 on the card and the video (old Hi8) was valued at £250 very reasonable..

At this point I was very happy with the service

We then moved onto the jewelery.

The first valuation was £5000, I asked for a breakdown and received it an hour later via email - excellent!

unbfortunatelt, on piece, independantly valued at £1450 in 2004, complete with photos was valued now at just £400.

The other values appear reaonable.

I queried this discrepancy an it was revised to £1650 making a total value for jewelery of £6250, which would be provided on a card for goldsmiths etc...

When I said I did not want a card for a higt st jewelers I was offered less than £4000 cash.

Now it does not take a rocket scientist to see the £4000 cash cannot legally purchase £6250 worth of jewellery.

Our policy states like for like, whe have £2745 worth of 14ct gold, that is not available in the UK! So cannot be replaced, like for like from a high st.

Has anyone actually go the full cash value for their goods?

We don't want ot buy a "replacement" as our jewellery was generally bought on holiday to a be a reminder of the good time we have. A "replacement" will be a remider of the burgalry:eek:

Are we being unreasonable?

Many thanks StrawberryFieldFairies