Donna's point is really the point! They are soo cagey about the actual percentage because I rather susoect that people would not buy the stuff if they knew just how little there actually is in it. Furthermore, and a really important point, insurance companies do not reflect the "interest" value, only the actual gold value, so you will not necessarily get the full value of the item back either.
A real rip off in my opinion. And it really annoys me when they go on about the royal family having real welsh gold wedding rings. They sure as hekk do not have them from Clogau with their miniscule percentage.[/QUOTE
With regards to insurance companies I think it kind of depends what sort of policy you have, surely if someone lost a ring or other piece of jewellery say from Cartier, Tiffany or Bvlgari for example, Insurance companies would not just pay for the gold value but what the item is worth, so long as you have a photograph and itemised receipt they have to pay what the item would cost to replace like for like. If I am am wrong on this, I stand corrected.
As for Clogau prices, they are expensive, but you get what you pay for in terms of design and gold weight, I have several pieces and find them to be better crafted than many other pieces on the high street.