hi, has anyone got their engagement ring insured? Is it worth it and how much is it a year? It's an expensive ring and if it got lost / stolen / damaged we wouldn't be able to replace it or get it fixed.
xx

Mine's from Tiffany's so v expensive! Had to pay a loading on our house insurance policy, but they covered it. Think about extra £40 a year *eek*! x

h2b took insurance when he bought it which lasts 3 years and its on my contents xx

ok thanks for your help everyone
xx

Mine has gone on the house insurance as a separate listed item with the extra cover of outside the house as its expensive but it only cost a n extra small premium to put it on but the peace of mind is priceless

Yip mines insured for 3 years I think !

You can only put it on the house insurance policy if the single-item cover limit on your policy is set at a high enough level to cover the ring....but make sure the policy covers possessions outside of the home too as basic policies generally do not. Mine was made for me and the insurance valuation is double the actual cost so mine is not covered but I can pay extra on the policy to have it covered. I am now looking round for independent insurance as I am worried if I did have to make a claim how much it would add the the house insurance premiums

Under house insurance it's only covered if anything happens to it inside the house, we had to change our house insurance so that my ring was covered outside of the home to x