White and yellow gold crossover diamond rings offered for sale in both 18k and 9k gold. Prices range from around £150 up to just under £1000.
The cross over diamond rings at the Diamond Store come in a variety of designs and settings but in all of them the band forms a cross in some shape or form on the front of the ring. These styles are very flattering for all types of fingers: long or short, slender or thick, as the openness of the designs does not form such a solid band around the finger as a wide ring or pave ring for example.
Because diamonds are such a valuable commodity the Diamond Store is keen to point out that you should not rely on household insurance to cover your jewellery. If your diamond cross over ring is stolen from your home it is probably covered on your home owner's insurance policy. But hopefully you will go out wearing the ring from time to time and once it leaves your house it is highly likely that there is no coverage.
Jewellery insurance is a specialised field and you should shop around until you get the answers you want. To help you get the best cover available the Diamond Store has come up with a basic list of questions to ask the insurance agent.
1. Is it necessary to obtain an appraisal for full coverage? If so, how often should I have this updated?
2. What is the difference between scheduled and unscheduled cover?
3. Is the policy all-risk (partial loss, damage, disappearance, etc.)?
4. Are you still covered if there is negligence involved?
5. Are the diamonds covered while in the possession of someone else?
6. Is depreciation applied?
7. If the jewellery becomes damaged can I replace it or will I be limited to repair?
8. What if the lost item is irreplaceable?
9. Are there any security precautions required? If the jewellery is kept in a safe will there be a saving in the premium payable?
10. What proof is needed to justify a claim?
11. Are there any exclusions?
When you find an insurer who can answer all the above points satisfactorily then you are in a good position to negotiate the best type of policy and premium due.
