I recently claimed for the loss of a ring CLAIM:68538636, was initially given an approved claim for half the value of my ring! After much arguing with the Manager @ Outsurance they revised the claim to the full amount! Further ot this I was advised that I had 2 choose one of their service providers i.e. Hyper Jewellers, a budget jeweller and Arthur Kaplan, a very expensive, overpriced jeweller! I requested to be paid out as I was unable to find a replacement equivalent to my loss. I was informed that Outsurance reserved the right to choose how to settle a claim and I had no option but to use one of their service providers as they do not settle in cash! This has left me disadvantaged as a consumer as I am unable to shop around for an item with equivalent gold and spec of diamonds that I had. I would have to settle for a lower grade of diamonds just so that Outsurance secures a discount form the jeweller & not me! I have to pay the full retail price @ their supplier! As a consumer, the Consumer Protection Act allows me the freedom of choice and states that terms & conditions on contracts must be in plain language and in this instance I should have been notified clearly that in the event of a claim for the two specific items of jewellry on my policy, I would be restricted to use a service provider chosen by Outsurance i.e. Hyper Jewellers & Arthur Kaplan Jewellers, that I would have to pay the full retail price of the item as the discount is passed onto Outsurance and that I would not be paid out in cash! If I was aware of these terms & conditions, I would not have used Outsurance. My policy only has three items on it, so I should have been informed of the hidden terms and conditions for claims on my insured jewellry! I was told to approach the Ombudsman, which I have done. I am extremely disappointed with Outsurance as I thought they were the best choice for short term insurance! I asked to be paid out so that I could choose my jeweller and obtain an item equivalent to the value of my loss or I asked for them to pay out to my choice of jeweller. Can u assist me in this matter?