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hello again! just incase anyone else asks a similar question, i just thought i'd let you know i got on.
i went into town today trying to find some reputable independent jewellers - all shut with it being bank hol D'OH!! anywho, went into the shop we bought the engagement ring from, and she told me that they do a valuation day where you don't have to send your rings off and they send the documents and photogrphs in the post for insuring (major plus). the houssehold insurance only covered upto a certain amount for jewellery, so it looks like i'll have to insure individually - but onbiously its worth it in the long run. even better, my engagement ring can be plated for free under my 10 year diamond guarantee, though she did say platinum doesn't need it as often as white gold, it'll make it look lovely and sparkly again. the wedding rings can be replated for �14.99 each and only takes 2 days - yay!
thanks everyone for your help, really appreciate it as always xx xx