Discovery - You are forced to use their own suppliers when claiming for jewelery

It is with a heavy heart I write to complain. I LOVE Discovery. Between my husband and I we have Life Cover, Credit Card, Medical Aid Classic Comprehensive and Household and Car Insurance, we spend thousands and thousands monthly on Discovery products.

When I joined Discovery Insure I asked for the EXACT same policy as I was on with my previous insurance company. I had an engagement ring under All Risks. Sadly I lost this ring and now I discover that I am FORCED to use their supplier to replace the ring.

Nobody told me when I specified my ring that I had the option of selecting my own jeweler. I was able to do select my own jewler on my old policy. Discovery automatically presumed to put me on an option whereby I have to replace the ring through their supplier and this is not what I wanted at all. They did not inform me there were options and this was wrong.

I presumed that I was getting the same policy as I had and I presumed I would get paid out in the case of loss or theft and do my own replacement where I can shop around.

I appeal to Discovery to pay me the monetary value of the ring as they did not disclose to me that I would have to use their supplier whenI listed my ring under the All Risks section of my policy.

This was non disclosure and I was not made aware of the facts and my rights.

Please can you sort this out