Question Author
Hi, Thank you for your replies so far!
rob55...etc. The ring was bought for £600.
factor30 - it could only have been lost between ground floor kitchen and car so thank you, it would be worth bearing that in mind to be more explicit, should we claim.
bedknobs - we have been with the same company for donkeys years without claiming for anything until earlier this year when we had storm damage and (begrudgingly?) received £1400 towards repairs after damage assessment.