We handle claims quickly, fairly and with an unrivalled understanding of the sector.
LMG operates under strict time deadlines for all insurers. We all want to settle your claim as quickly and as fairly as possible.
In some cases, your insurer or appointed loss adjuster needs to consider other factors before agreeing to the settlement for your jewellery loss.
LMG will keep you updated throughout your claim and if you do not hear from us then it is most likely that we are still waiting for authorisation to proceed from either your insurer or their appointed loss adjuster.
LMG is an independent company that has been employed by your insurer to gather as much information as possible regarding the details of the lost, stolen or damaged items. One of LMG's valuers would have spoken with you on the telephone and your description of the items together with any documentation, photographs and receipts would have formed the basis for this valuation.
In the event that you have not been able to provide any documentary evidence supporting the value of your items, their value would have been assessed as those of an average type and priced at the same level as those generally available in the market.
However, if you are unhappy about any aspect of the LMG validation process please call us on 0844 2092427.
LMG will advise if there is an excess to be collected by us as part of your insurance claim. If so, this is a requirement stipulated by your insurer, as opposed to LMG, and MUST be paid in accordance with the terms of your insurance cover.
Thank you for allowing us to see your photographs. They form an integral part of our validation process.
So that we guarantee your ability to replace the correct goods at the right price, our practice is only to return your photographs once you have spent the full balance of your claim.
If however, you particularly need your photograph(s) more quickly, please call us on 0844 2092427.
LMG and all our contracted jewellers are determined that you are delighted with not only our service but also the quality of the replacement goods.
If for any reason, you are not totally delighted with your purchases please, in the first instance, discuss your feelings with the supplying shop.
Whilst we have every confidence that they will do all they can to rectify matters, if you are still not totally satisfied please call 0844 2092427.
Perhaps you are going on holiday or making a visit to another city?
Please look at the 'Shop Locator' page on this website and key in the postcode of where you are going or use the map search.
Alternatively, please call 0844 2092427 and we will be happy to talk through alternative jewellers in other areas and to confirm this by forwarding you other lists.
LMG has a separate division, Personal Jewellery Services which can arrange for the delivery of your selected replacement jewellery directly to your home.
Please call 0844 2092427 so that we can assist you with this tailor-made service.
The award-winning, guaranteed solution to ensure the quality restoration of your damaged items of jewellery.
Yes, completely, we use Royal Mail Special Delivery, an extremely safe and secure method of collection and delivery. All items are fully insured in both directions, both via Royal Mail and LMG's own bespoke insurance policies. All parcels are opened under CCTV and items digitally photographed upon receipt at LMG.
Over the past 8 years, LMG has sent and received in excess of 100,000 such parcels.
We inspect every detail of the item, including specific information on or around the hallmark. Wherever possible we will establish the manufacturer's quality and also the purchase information. Detailed measurement of the vacant setting will establish the correct stone size where pre-loss valuation detail is not available.
Usually completed within 4 weeks, however if the item is being handmade or if the stones are being specially sourced or cut please allow for a longer completion time.
Yes, we are able to provide such stones in keeping with your older item of jewellery.
We will send you a colour chart leaflet to identify a similar shade and work closely with you to ensure your complete satisfaction.
Yes, LMG has a design service and can work to your particular needs.
A comprehensive 12 month warranty against faulty workmanship or product.
In the unlikely event that you are not 100% satisfied with the repair, we will send you pre-paid packaging so that we may re-inspect the item and have any alterations completed as a priority.
Yes, LMG oversees the repair of most prestige watch brands, at all times utilising the original manufacturer, often abroad, to maintain the warranty and brand integrity.
The easy and convenient way for you to purchase guaranteed replacement jewellery from where you want, when you want.
Yes, in as many shops as you wish.
If you do not spend the full value of your Gemcheck Card in any one shop, the reduced balance will be available to spend immediately.
Gemcheck Cards expire 12 months after issue. However, if you need more time, and after a necessary security check, Gemcheck Cards can be extended for a further period of 12 months. Call 0844 2092427 if you wish to extend your Gemcheck Card.
This is at the discretion of the individual shop that you have selected. Prior to your purchase, please explain that you wish to use a Gemcheck Card for your jewellery purchase. If the shop is accepting a Gemcheck Card as payment, they are entitled to sell the item at the non-sale price.
Unfortunately Gemcheck Cards are not valid for purchases of Rolex watches. If your claim was for a Rolex watch you will receive an alternative settlement to the Gemcheck card
If your items have been valued on a second-hand basis, we would expect you to be able to replace with suitable goods in LMG's contracted jewellers that stock second-hand items.
In some cases, shops may be unable to accept the Gemcheck Card for purchases of particular second-hand items, and should this be the case, please contact us on 0844 2092427 for advice.
Yes, with your permission, as obviously the policy may be in your name but the jewellery may have been owned by others within your household.
No. The card is valid only for purchases in our network of contracted stores.
Insurers prefer to settle claims with appropriate replacement goods rather than cash. This is how they are best able to return their customers to the position they were in before the incidence of loss. However, in some circumstances insurers will consider cash settlements, but such cash settlements may be for a reduced financial value.
No. The assessed value of your claim has been set at UK High Street prices and as such is VAT inclusive. However, if you would like to purchase your replacement goods abroad, please call 0844 2092427 so that we can arrange an alternative purchase mechanism, which reflects differing overseas prices.
LMG has contracts with over 1,800 stores nationwide (both national chain stores and local independents), which gives you a vast choice of replacement options. They all offer the highest standards of customer care and all jewellery is supplied with a 12 month guarantee.
If you choose a non-contracted shop, LMG cannot guarantee these aspects. We therefore strongly recommend that you check out the merchandise and the prices on offer in the contracted shops before deciding on any alternative.
However if you still want to select your replacement jewellery in a particular shop that is currently not on our list, please call 0844 2092427 so that we can check whether this can be arranged.
Gemcheck cards are valid for branded jewellery and watches, however there may a small number of brands for which some retailers are unable to accept Gemcheck cards. If you are unsure, please contact us to check prior to visiting your chosen store.
The bespoke solution via home visits or direct postal supply.
LMG utilise Royal Mail Special Delivery, which is extremely reliable and fully insured. The jewellery can be delivered to your home or place of work.
LMG supplys a vast array of product from a simple gold chain to an intricate hand-made tiara; delivery can take up to 8 weeks but is generally between 3 and 5.
You can return the item(s) within a 30 day period for any reason. If you wish to return an item(s) please call LMG and we will arrange for a pre-paid Special Delivery envelope to be sent to you immediately.
All the jewellery we deliver is accompanied by a comprehensive valuation stating the metal and diamond weight and with larger stones the colour and clarity. All valuations contain a high quality digital photograph and these details are kept on our secure database in case of a future claim.
Yes, LMG utilises the latest jewellery design software to produce an extremely life-like image of your item and can email or post this to you to ensure that the item is as required prior to its manufacture.