评估您的钻石订婚戒指并为其投保
2023-03-11
Meetu jewelry
21
一般来说，任何钻石订婚戒指都非常昂贵，普通收入者必须承担相当于三个月工资的巨额资金以及大量积蓄。 显然，如此巨额的投资必须首先通过对环进行评估和投保来确保。 通过评估，您可以了解所购买戒指的真实价格。 如果戒指丢失或钻石掉落且无法追踪，该保险可以让您索赔。 但评估应由该领域有能力的专业人士完成，并且必须处理与房地产相关的交易。 在为您的订婚戒指寻找评估专业人员时，请注意评估师可能受雇于珠宝店，并且可能为商店的顾客或外部顾客进行评估。 但请确保评估的是戒指的真实市场价值，而不是您在商店中购买戒指的价格。 这是因为商店给您的折扣可能不是戒指的真实价格。 还要避免让您的戒指价格远高于其当前市场价值的评估，因为这种做法是不道德的。 此外，您在为戒指投保时也会不知所措。 这是因为根据鉴定证书中戒指的高市场价值，您将支付更高的保险费用。 因此，如果戒指价格过高，请询问原因。 就保险而言，要知道大部分保险都是针对零售重置价值来做的，也就是说保险公司会以实物和质量来更换戒指。 显然，保险公司不会以现金支付。 现在很明显，如果您丢失了订婚戒指，如果您坚持要现金，保险公司可能会向您支付与他们可以通过自己的来源更换戒指来为您提供的戒指相同的金额。 然而，许多珠宝保险公司并不要求独立专业人士进行评估，他们可以为此目的聘请自己的评估师。 其背后的目的是获取戒指和钻石的所有细节。 保险公司的目的是找到对钻石及其当前市场价格的准确和完整的描述。 如果您的戒指鉴定中提到了任何钻石分级报告，那就更好了。 只有在鉴定证书上有详细的描述后，保险公司才会做出为戒指投保的决定。 保险的另一个来源是也涵盖珠宝的房主保单。 向您的代理人询问此类保险的要求。 在您决定购买订婚戒指之前，还应了解一些有关保险的其他方法
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