Jewellery & Watch Insurance

Protect the jewellery that means the most

Your jewellery is more than something you wear. It may mark an engagement, anniversary, family milestone, or special memory. Whether it’s a diamond ring, luxury watch, necklace, bracelet, or treasured heirloom, the right insurance helps protect both its financial and sentimental value.

Many people assume their home insurance fully covers their jewellery, but standard policies can have limits. That’s why specialist jewellery insurance is often the better choice for valuable pieces.

Why specialist jewellery insurance matters

Home insurance may only cover jewellery up to a certain amount, and there may be restrictions on accidental loss, damage, theft, or cover away from home.

Specialist jewellery and watch insurance can offer more suitable protection, including cover for:

Accidental loss
Theft
Damage
Jewellery worn outside the home
Travel and worldwide use
High-value individual items
Watches, engagement rings, and heirloom pieces

Our recommended insurance provider

We recommend TH March for specialist jewellery and watch insurance.

TH March has a long-standing reputation in the jewellery industry and provides insurance designed specifically for jewellery, watches, and valuable personal items.

Their cover may include worldwide protection, specialist claims handling, and support from people who understand jewellery, valuations, repairs, and replacements.

Keep your valuation up to date

Jewellery values can change over time, especially with diamonds, gold, platinum, and precious gemstones. We recommend keeping your valuation up to date so your jewellery is insured for the correct replacement value.

An accurate valuation can also make the insurance process smoother if you ever need to claim.

Get a jewellery insurance quote

For specialist jewellery and watch insurance, we recommend getting a quote from

Get a quote from TH March

Need a valuation first?

Before arranging insurance, it’s important to make sure your jewellery has an accurate and current valuation or for brand new jewellery, the receipt will be sufficient enough to secure a policy.

From start to finish, I received a first class service and both were very sensitive to my needs and took a lot of time to listen to my ideas and anecdotes about life and jewellery! The finished product blew me away and made me very emotional; just stunning. Gavin had literally breathed new life into them and created timeless pieces that I can wear every day and then hand down to my daughter. Having never had a ‘bespoke jewellery experience’, they were welcoming, extremely personable and guided me through the entire process. I wouldn’t hesitate to recommend their services and I am already planning my next piece of jewellery. Fantastic!

Katherine Morgan

Senior Associate - Brachers LLP

I found The Diamond Setter via their social media posts and have been nothing less than impressed from the moment I first made contact – its like talking to expert friends. Lorraine and Gavin managed to extract from our minds a picture and deliver a concept and finished item that meets it – just brilliant - they were able to source stones for my wifes consideration, to draft designs for her to consider and the finished ring is stunning. We would not hesitate to recommend them. Simply superb!

Robert Dutton

Director - Recruitment Solutions

My partner and I were getting married and were looking for some bespoke wedding rings and an engagement ring. From the outset Lorraine and Gavin made the entire experience a real pleasure. They were creative, took our ideas and designed the most beautiful set of three rings for me - when I opened the box I couldn't believe how stunning they were. Gavin had created the most stunning jewellery and had thoughtfully incorporated all of the elements which meant so much to us. It is unique and will be treasured forever and hopefully passed down to our daughters.

Cora Valentine-Goddard

We were looking for a designer to make a bespoke engagement ring and wedding ring. We found The Diamond Setter through a local newsletter. From first contact, both Lorraine and Gavin were incredibly helpful. In our first meeting they helped us develop our vague ideas into something more concrete. They took time to talk us through each decision and step of the process. Throughout they were so accommodating in adjusting the designs until we were completely happy.

Lizzie Mills

Gavin and Lorraine were amazing throughout the whole process in the purchasing of our rings. Gavins relaxed approach put us at ease straight away. His knowledge on what would look good and what metals would work well and match my engagement ring really helped. We went into our initial consultation with a vague idea of what we wanted and came away knowing we’d be getting something really special! We couldn’t be happier with the results. Thank you both so much for the whole experience and our wonderful wedding rings.

Jo and Dave Caddick

Payment Consultant

What an amazing experience from start to finish. Both Gavin and Lorraine were fantastic in how they communicated and created both the wedding and engagement rings. I can not thank them enough for their hard work on creating these amazing pieces. If you are looking for great care, advice and a personalised approach then you must speak to Gavin and Lorraine.

Leigh Tullett

I came to Gavin as I wanted to have my engagement ring and my mothers engagement ring put together. I could not be happier with the service and his suggestions. Together we designed a ring, and he made up 2 examples for me to try, which was brilliant as I was quite nervous with it being my mothers ring. I have the most FABULOUS ring which I love and from the gold of my mums ring, Gavin made a little pebble that I can wear as a necklace, which was really thoughtful and special. This whole process has been a joy from beginning to end, and I can highly recommend The Diamond Setter. Both Gavin and Lorraine have been kind,...

Mary Wyatt

Course Director SCOH Ltd.

We contacted Gavin on the weekend last minute for an 18th birthday gift for our daughter. We had an idea of the type of necklace we wanted and Gavin was quick to respond with a sketch for our consideration. Upon further discussion, we were able to pin down the exact details and once this was confirmed with another sketch, we were able to adjust the size to suit our budget.From first contact, through placing the order and collection, it was four days turn around, which was amazing and meant we were able to give our gift on time!Gavin was very friendly and we would definitely recommend The Diamond Setter to family and friends.

Vivienne Jeal

Director - Wiser Safety

When it came to our 10th wedding anniversary, I wanted to buy my wife a special piece of jewellery for putting up with me for so long. I was not optimistic about what we would be able to buy, given our relatively modest budget. We heard about The Diamond Setter through the TN9 Card and the whole experience since emailing Gavin has massively exceeded our expectations. Gavin got back to us straight away, offering a free consultation. He listened to exactly what we wanted and then gave us some expert advice on how to make it even better. When we altered our plans half-way through it was not a problem. The whole experience was great but the main factor is...

Andrew McCormick

Gavin’s skill and attention to detail shine through in all his work. We selected a topaz gem set on a gold ring which Gavin then created especially for us to ensure a perfect fit.I am happy to recommend Gavin for any jewellery you have in mind. He is bound to come up with the perfect solution which he will then implement professionally.

Suzanne Rice

Diector - Computer Troubleshooters - Tonbridge

I would like to give my heartfelt thanks to Gavin and Lorraine for their care, attention, workmanship and empathic recreation and fusion of past present and future. I truly believe they have that one special ingredient which permeates their work. Love. I had two beautiful sapphires, one yellow and one blue purchased by my step father in 1977 in Sri Lanka. They had been in my drawer for years and suddenly their life was taking form as a piece of jewellery that could be worn and loved. I also had a pair of aquamarine ‘dropper’ earrings given by my great grandfather to my great grandmother on their wedding day in 1902. These too had been sitting in my drawer. I...

Chris Harker

I was recommended The Diamond Setter after the diamond in my engagement ring fell out. I am so pleased I went to Gavin for the repair. He explained clearly what needed to be done, and how he would do it, and I felt a huge amount of confidence that my ring was in safe hands. As I’d booked an appointment in advance I was able to spend a couple of hours exploring the beautiful local surrounds while I waited. Great responsive service from Lorraine as well. Thanks you! I would highly recommend.

Susie B

Owner - Susanne Burgess Millinery

Gavin and Lorraine took time and care in understanding my request to remodel an old family ring. Gavin explained in depth the process of his work. Within two weeks my old ring had been transformed in to a beautiful more modern piece and also a lovely pair of earrings using the original materials. I am impressed by Gavin's craftsmanship and enthusiasm for his work. And I am very happy with my 'new' jewellery.

Julia Woolland

What I particularly liked was his honesty and transparency, a rare quality I am sad to say nowadays. He clearly knew what he was talking about and I felt I could trust him. The price quoted was excellent. I left the ring with him and he kept me up to date with progress via email and text. He sent back to me in an FSC approved cardboard box which also ticks all my boxes for environmentally friendly shopping. I am so pleased with the ring. It’s perfect! I am so pleased with the quality of the work and the service. He deserves every star of this rating.

Julia Chapman Brown

I can not recommend The Diamond Setter highly enough. A friend suggested I contact Gavin when I mentioned I was struggling to find a jeweller who would resize my wedding ring in a more exciting way than simply stretching it. I wanted to see the evolution of my ring (a concept other jewellers had dismissed) so it was an absolute delight to meet with Gavin, who not only completely understood this, but seemed enthusiastic about the possibilities and more than happy to help. And he could not have been more helpful! After a brief consultation, I had no doubt that my ring was in safe hands, and after just 2 days I was delighted to collect my ring, which now...

Nichaela Broyden

My eldest's birthday came around so we visited Gavin in the studio to get some ideas and design her a beautiful ring. She enjoyed the process so much and we visited a couple of times before finalising our design and asking Gavin to make it. He was so patient with us and had some great ideas. Even sourcing some Ceylon sapphires to compliment the diamond. Ceylon has a very special place in our family's history, so this was a beautiful touch to make this present even more special. My daughter is delighted with her ring and I don't think she will ever take it off. Thank. you Gavin and Lorraine for such an amazingly special experience. We will be back...

Jane Brown

Recently took a diamond ring to be repaired and remodelled as the diamonds had been set too close together. Very impressed with the price and service received from Gavin. Recommend and will use again.

Katharine Bright

Nutritional Therapist

I visited Gavin and Lorraine at Salomon's Estate. I found Gavin very professional, friendly and informative. I had a bespoke piece of jewellery made and was very pleased with the finished result. I also found Lorraine very helpful and was impressed how Lorraine kept me informed throughout the whole process with aftercare advice and appointments.

Paris Moses

Salon Owner

I was really pleased with the advice and service I received from Gavin when I went to him with a pair of diamond and sapphire earrings that needed to be reset. I am very happy with the results!

Amanda Price

Health and Fitness Coach

I was introduced to Gavin and Lorraine by a friend when I acquired a stunning Spanish Blue Topaz stone and wanted it made into a ring. As soon as I showed Gavin he knew instantly how to set it and the result was absolutely unbelievable, both my husband and I were blown away! Lorraine’s communication with me throughout the whole process was incredible and I felt that my stone was left in very safe hands with the both of them.I’d highly recommend.

Diana Beaumont

Massage Therapist

Outstanding experience from start to finish.From the moment I contacted Gavin and Lorraine, the communication, customer service and attention to detail has been exceptional.My rings look beautiful again and the resizing is spot on.I can highly recommend ‘The Diamond Setter’ they definitely tick all the boxes.

Paul and Donna Farrant

I cannot recommend Gavin and Lorraine enough. From the moment I met them I knew they understood how important jewellery is. My Husband and I have been looking for an eternity ring for me and they have made me a beautiful ring. Such a lovely experience and we WILL be back to visit. Highly recommend :)

Dawn Reader

I had 2 rings, 1 from my grandmother and 1 from my Great Aunt, which I never wore. I wanted to find somebody who could advise me on how to join them together somehow so I could wear a ring that reminded me of them both. I am so happy to have found Gavin who has been so patient and understanding. He has designed and made the most beautiful ring that I can enjoy for years to come. Thank you so much. Looking forward to the next one. I would definitely recommend this very talented man.

Helen Toole

A hidden gem! A lovely setting with easy free parking and you can see some of their beautiful jewellery on display too. Highly recommend.

Ellie Greisen

Absolutely delighted with the transformation of my inherited gold wedding bands. Gavin and Lorraine were so professional from start to finish and exceeded all expectations. Lorraine kept me up to date throughout the process. My new ring was ready in under 2 weeks and I couldn't be happier with it. Thank you so much.

Maddy Cullen

Pilates Teacher

A wonderful experience. They managed to create a totally unique wedding band and went above and beyond in terms of service and an amazing quality. We will be using them again.

Tim Golds

Regional Sales Manager

I went to see Gavin and I drew what I would like in a ring. He designed and reset my diamonds as a flower on a dress ring. Wow! It’s beautiful I can’t stop admiring it! Gavin has also remodelled a few other pieces for me and I’m thrilled to be able to wear them again! Thank you both so much! I’m sure I’ll see you again very soon x

Louise James

Skin Care Specialist

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