Hi, I have been with this insurer for some years, i knew that an individual item was insured up to £12,000 so assumed (whoops) that cover for a loss meant anywhere on planet earth and not just my house. The ring was purchased in 2010. Its worth £6100 as per a valuation last year when it was repaired. She is permanently resident at the property and has been for seven years. The home insurance is only in my name. Thanks for the link.

Hi, Thanks for the replies. To clarify, she always wears two rings when she goes outside, the engagement ring and another ring on top to stop the engagement ring from falling off. She still has the other ring so we think its highly unlikely to be lost outside of the property. Inside the house she sometimes wears both, only one or none depending on what she is doing. That's why we waited about two months before making a claim as we were certain we would find it but after the millionth time of looking behind the sofa etc no discoveries have been made. I have examined the terms and conditions of the policy online and can find nothing about loss outside the property (excluded or included) I will ask the insurer to point me to the specific clause in the policy that they believe invalidates my claim.

Hi All, Unfortunately my fiancee lost has her engagement ring. It was lost sometime during a 48 hour time window. During this time she was only out of the house for 3 hours. The insurance company told me during my initial phone call that it was insured as my policy covers individual items up to the value of £12,000. After a more detailed discussion with my fiancee they have decided to reject the claim as they say there is a possibility that it was not lost within the property but outside. In my opinion its far more likely it was lost inside the property as she was only outside for a minimal period of time. Thoughts anyone? Neil