評估您的鑽石訂婚戒指並為其投保
2023-03-11
Meetu jewelry
21
一般來說，任何鑽石訂婚戒指都非常昂貴，普通收入者必須承擔相當於三個月工資的巨額資金以及大量儲蓄。 顯然，如此巨額的投資必須先透過對環進行評估和投保來確保。 透過評估，您可以了解所購買戒指的真實價格。 如果戒指遺失或鑽石掉落且無法追踪，該保險允許您索取退款。 但評估應由該領域有能力的專業人士完成，並且必須處理與房地產相關的交易。 在為您的訂婚戒指尋找評估專業人員時，請注意評估師可能受僱於珠寶店，並可能為商店的顧客或外部顧客進行評估。 但請確保評估的是戒指的真實市場價值，而不是您在商店中購買戒指的價格。 這是因為商店給您的折扣可能不是戒指的真實價格。 也要避免讓您的戒指價格遠高於其當前市場價值的評估，因為這種做法是不道德的。 此外，您在為戒指投保時也會不知所措。 這是因為根據鑑定證書中戒指的高市場價值，您將支付更高的保險費用。 因此，如果戒指價格過高，請詢問原因。 就保險而言，要知道大部分保險都是針對零售重置價值來做的，也就是說保險公司會以實物和品質來更換戒指。 顯然，保險公司不會以現金支付。 現在很明顯，如果您丟失了訂婚戒指，如果您堅持要現金，保險公司可能會向您支付與他們可以通過自己的來源更換戒指來為您提供的戒指相同的金額。 然而，許多珠寶保險公司並不要求獨立專業人士進行評估，他們可以為此目的聘請自己的評估師。 背後的目的是獲得戒指和鑽石的所有細節。 保險公司的目的是找到對鑽石及其當前市場價格的準確和完整的描述。 如果您的戒指鑑定中提到了任何鑽石評級報告，那就更好了。 只有在鑑定證書上有詳細的描述後，保險公司才會做出為戒指投保的決定。 保險的另一個來源是也涵蓋珠寶的房屋保單。 向您的代理人詢問此類保險的要求。 在您決定購買訂婚戒指之前，還應了解一些有關保險的其他方法
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