Aviva reveals reasons for wedding ring claims

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Wedding rings flushed down the loo, lost while kayaking and run over by a car top a list of Aviva home insurance claims from the past year, as the insurer urges couples to seek adequate protection in the middle of wedding season.

Between July 2020 and July 2021, Aviva settled more than 300 UK claims for wedding rings that were lost, stolen or damaged.

While theft was the most common reason for claims, Aviva also paid out for rings that slipped off due to weight loss or had to be cut off due to injuries.

The more unusual claims included one Aviva customer who lost a ring while feeding his cows, while others were lost when their owners took them off while baking or cooking and the jewellery ended up in the bin:

  1. Theft/burglary
  2. Lost while shopping
  3. Taking it off for work/lost at work
  4. Lost while gardening
  5. Taking it off / having ring cut off due to injury or pain
  6. Lost while out walking
  7. Lost at the beach
  8. Diamonds/stones falling out
  9. Lost while swimming/playing in the sea
  10. Lost while playing golf
  11. Ring slipped off after losing weight
  12. Ring lost after taking off to wash hands
  13. Lost while on holiday
  14. Taking it off for an operation/hospital appointment
  15. Lost after taking it off (general)
  16. Flushed down the toilet
  17. Ring was accidentally binned
  18. Lost during watersports, eg, kayaking, paddleboarding, etc
  19. Taken off while cooking/baking and thrown away
  20. Lost in the snow

Aviva said that most insurers will have a ‘single item limit’ on their home insurance for valuables such as jewellery, typically between £1,000 and £2,000. Customers should inform their insurance provider of any possessions above this threshold in case they need to be listed separately, to ensure they are adequately covered.

Customers should also be mindful that home insurance will usually cover items for loss or theft that occurs from the home or garden, but that a suitable add-on may be required to cover possessions when out and about. Personal belongings cover can provide insurance for items anywhere in the world.

Some insurance policies may stipulate that specific items of value need to be stored in a safe when not being worn or used. Aviva said customers should check with their insurance provider if they have any special terms on their policy for their items.

Aviva also warned that some older jewellery pieces may be worth more than people think, due to the fluctuating values of precious metals. An up-to-date independent valuation can help customers to determine whether they need to review their home cover for existing jewellery items.

If customers are claiming for a ring or a piece of jewellery where a replacement can’t be found, as part of the claims service, Aviva offers a facility through which an item can be designed and manufactured as a replica of the original. This is useful for bespoke pieces, particularly older sentimental items, so customers are able to receive something very similar to their original treasured possession.

Dave Lovely, global claims director for Aviva, commented: “Whether someone is a newlywed or celebrating their golden wedding anniversary, unfortunately there’s a chance that a precious ring could be lost, stolen or damaged—so insurance can provide peace of mind in case the unforeseeable happens.”

“We’d also encourage people to speak to their insurer to make sure they have suitable cover for their needs—for example, if someone wants cover for their jewellery anywhere in the world, personal belongings insurance could be a useful addition. It’s also important to check whether any valuable items need to be identified separately on a policy or require special terms. With a wedding boom expected this year, the right cover can mean one less thing to think about on the big day!”

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About Author

Mark Dugdale is the editor of Claims Media. Mark welcomes articles, letters or feedback from readers and can be reached via mark.dugdale@barkerbrooks.co.uk