Comments on: Holy bling, Batman!

By: Nicole

Nicole — Tue, 10 Oct 2006 13:29:48 +0000

Got my ring about a month ago…got it insured about a week ago. The jeweler gave my fiance and appraisal when he bought it. Ditto to the woman who said she’d have to pay more than 100 times what the insurance policy costs a year to replace the ring. Plus I lose stuff all the time!

By: Never teh Bride

Never teh Bride — Tue, 26 Sep 2006 20:15:33 +0000

Good point, jj!

By: jj

jj — Tue, 26 Sep 2006 17:47:08 +0000

Something that gentlemen might want to consider… what is the size of your lady’s hand? Some of us with short stubby fingers would look ridiculous wearing a rock the size of that aquamarine number!

And yes, mine is insured… if you have a platinum ring, even with a small stone it’s worth insuring for the value of the metal.

By: MNT

MNT — Tue, 26 Sep 2006 15:26:03 +0000

If you want to get your ring insured, you could just go to the store where you bought it. They should not only have the paperwork to show what the ring is worth, but they should also have an insurance company that they work with regularly.

I agree with fannypie that the ring pictured is overpriced. The center stone is not large (3/4 carat) and the clarity is mediocre. If you want to save money on a ring, I’d go with white gold over platinum. Gold is a bit softer, but I think it wears better than platinum, and it is very difficult to tell the difference by looking. And it’s much, much less expensive.

By: Stacy

Stacy — Tue, 26 Sep 2006 11:50:18 +0000

I’m so not a fan of DeBeers…

And I’m totally happy with my sapphire engagement ring. We were working with a small budget and though we started out looking at diamonds, we quickly realized in order to get the quality we wanted, we’d have to get a rock that would disappear on my big hands. Since we already knew we wanted sapphires involved… I said ‘Let’s get a sapphire’. So we did.

It’s a little vintage-looking, since it has milgrain trim, but otherwise, it’s just very classic with an oval center stone.

The biggest annoyance is people who don’t realize it’s an engagement ring.

My ring isn’t insured yet, either; we keep talking about it and just haven’t had the appraisal done yet.

By: Bacon's Mom

Bacon's Mom — Tue, 26 Sep 2006 04:38:08 +0000

It’s funny – I read somewhere (and of course can’t remember where to cite it) that when DeBeers has a glut of larger stones, they push them on the public as being “in style” and “If you love her, you’ll get her a huge rock”.

On the other hand, when they have a glut of smaller stones, it becomes all about quality – “Well, of course you could have a larger ring, but it won’t be as high a quality, you know.”

Yet another reason I’m perfectly happy with my heirloom – and wouldn’t ever have made Baconsdad buy a diamond.

By: Dataceptionist

Dataceptionist — Tue, 26 Sep 2006 04:18:18 +0000

I don’t have my ring insured….but it plays on my mind sa something we really should do. But I don’t know how much my ring is worth and i know my H2B will never remember to do it.

By: fannypie

fannypie — Tue, 26 Sep 2006 01:05:06 +0000

Wow, that is insanity. I have a separate policy for my engagement ring and a necklace (anniversary present last year)…I would have to pay the yearly premium more than 100 times before it wouldn’t be worth it (i.e. before the premium would exceed the replacement cost of the pieces themselves).

Then again, I make a living spotting risks for other people. Tsk-tsk for everyone who has fine jewelry that’s not insured…or at least for everyone who hasn’t gotten a quote from their insurance agent and figured out the cost-benefit balance of having a policy vs. self-insuring.

But the princess cut ring above isn’t worth the money – the diamonds are rather poor quality.

By: Never teh Bride

Never teh Bride — Mon, 25 Sep 2006 22:59:36 +0000

I don’t know a single person who insures their jewelry, fannypie. Though I’ve known people who should have but didn’t. Aside from the heartbreak of losing a precious bauble, there is the heartache of knowing you can’t afford to replace it.

If you’ve got precious bling, INSURE, INSURE, INSURE, PEOPLE!

By: Twistie

Twistie — Mon, 25 Sep 2006 21:59:01 +0000

Virtually every bridal magazine/wedding planner I’ve read has recommended insuring the ring, fannypie…but there’s no telling how many couples take that advice. I know I didn’t. Then again, I can just imagine the look on the insurance agent’s face if I tried to insure a sterling silver frog without a single stone on it! LOL!