Victoria Beckham has owned 13 engagement ring worth £4million in 15 years of marriage. (see pics) money is good o

Most women see their engagement ring as a lasting – and singular – symbol of love. But not, it appears, Victoria Beckham.

The singer-turned-designer seems to regard it as a fashion accessory, getting through an astonishing 13 engagement rings in 15 years of marriage to husband David.

Experts yesterday valued her collection of diamonds, emeralds and sapphires at up to £3.8million, charting the rise in her fortunes. When David proposed in 1998, her first byengagement ring was a diamond cut into an elongated ‘marquise’ shape, set on a yellow gold band, said to have cost around £65,000.

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At the recent Wimbledon tennis championships, Victoria Beckham wore a £10,000 emeral-cut yellow diamon set in yellow gold

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When David Beckham proposed in 1998, her first engagement ring was a £65,000 diamond on a gold band

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Victoria Beckham 2002

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Victoria Beckham 2005

She later had the ring reset on a diamond studded band and in 2002 was seen wearing a simple diamond-encrusted band estimated at £5,000. Since then, her tastes appear to have grown ever more expensive.

At Wimbledon this year Mrs Beckham, 40, opted for a £100,000 yellow diamond set in yellow gold. And one of her favourites is a square cut emerald with surrounding diamonds, put at £500,000.

The most expensive appears to be a huge heart-shaped diamond thought to be worth in excess of £1million.

Victoria Bekcham 2006

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Victoria Beckham 2007

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In 2009, Mrs Beckham wore a £500,000 diamond on a diamond band when she attended a Marc Jacobs fashion show

Her collection was valued for the Daily Mail by jewellery maker Steve Bennett, who said some may be loaned by her friends in the jewellery business.

He added: ‘I’ve never known a woman to chop and change her engagement ring as she does. She clearly sees no reason not to treat it like any other fashion accessory.

‘Victoria is not afraid to wear quite adventurous styles. She opts for rare cuts or less common stones such as emeralds or sapphires.