If your diamond gets stolen or misplaced and you then approach the insurer; what they usually do is find something similar to replace it with. However, in their parlance, “similar” may mean something else entirely; any stone with the same 4 C’s could be deemed a worthy substitute for what you lost or damaged. A branded diamond, on the other hand, compels the insurer to replace it with something from the exact same brand, substantially raising the chances of you getting a fitting replacement.
This brings up the importance of any brand’s cut parameters. No insurance company is going to care about the perfection of your diamond. Only if your chosen brand has tight cut parameters, will you be assured of getting something comparable. This also depends on a transparent upgrade policy on the jeweler’s part. If all of these things align, you are sure to get a diamond that meets your expectations.