I have recently lost a diamond ring which belonged to my grandmother. It was a 1920s ring and I do have a valuation for it. I would like to replace it with an antique ring but someone has told me the insurance company are likely to insist I go to H Samuel and get a ring from there. I know there won’t be anything remotely similiar there. Can I insist on a cheque so that I can go to a shop of my choice and find a suitable replacement? The ring was a named item on my policy.