A few weeks ago I lost my wedding ring, the insurance company have just agreed to pay out through a company called LMG to the value of £5,500. I only just found out and am now sitting guessing how it works rather than wait till the morning and calling them.

A quick google of LMG seems to show I will get a voucher to spend at one of their agreed stores. Or do I select a store, choose a ring and they then invoice LMG.

I’ll be honest I’m struggling to find a ring that even comes close to that value, especially knowing that the original ring only cost £370 17 years ago.

Anyone else had experience of LMG and how they work?

I know I can wait and call in the morning but you know what it’s like......