When you are looking to buy a ring for your loved one, there are a number of factors that will determine your purchase alongside the cost of good quality ring insurance.
When you are looking to buy a diamond ring, for example, you should consider the four Cs of cut, colour, clarity and carat. The cut is the only characteristic of a diamond that is not influenced by nature, meaning that you should look out for errors and bad practices that compromise a diamond’s defining sparkle. The most valuable and rare diamond colour is white, otherwise known as colourless. A diamond’s clarity is a factor that you should not worry about too much, especially given that the small “inclusions” which are usually invisible to the naked eye make your diamond unique. Lastly, you should consider the carat, or weight of your diamond, which also naturally determines its size.
The four Cs will be familiar to any reputable jeweller, who will be happy to discuss them with you when showing you the diamonds. You should also consider the fifth C: the cost of the ring. Rather than being intimidated by the tradition of spending one or two months’ salary on an engagement ring, instead spend the amount that seems most appropriate to you, one that you can actually afford. You will also want to be sure that you are buying a ring that your partner will actually want to wear. Perhaps the best piece of advice of all is to never spring a surprise on her with a ring that you have chosen by yourself as this is more likely to match your own tastes, rather than hers.
In choosing the right ring for your loved one, you should consider the style of jewellery that is already in her collection. She may favour modern or traditional jewellery, or she may like any of yellow gold, white gold, two-tone (yellow and white gold) or platinum, with the latter being a particularly popular choice of metal for an engagement ring. Take note of her reactions to the rings that she sees on an everyday basis, and possibly ask her female relatives or girlfriends for more advice on her tastes, just as long as you trust them not to reveal that you are buying a ring for her!
In the case of an engagement ring in particular, whatever your romantic instincts, you are absolutely advised to include your wife-to-be in any decision.