A spokeswoman for Aviva says that when insuring any diamond jewellery you’ll need the diamond certificate, a detailed professional valuation as well as the purchase receipt. While an accurate valuation may offer you comfort, it doesn’t mean this is what an insurer will always pay out. Many of us, when we get a new piece of diamond jewellery, will add it to our home insurance policy. Firstly, according to a spokeswoman for Aviva, the amount your diamond ring is insured for is an “upper limit” of cover. Accepting a replacement ring, sourced by the insurer’s loss adjuster, is not an adequate settlement he says.

Source: The Irish Times December 09, 2025 17:00 UTC