Service
Customer Product InformationThis insurance is optional and will meet the demands and needs of a UK resident requiring insurance for jewellery or watches in the United Kingdom, Channel Islands and Isle of Man plus up to 30 consecutive days elsewhere in the world any one trip.
The insurance is administered by T H March & Co. Limited, Hare Park House, Yelverton Business Park, Yelverton, Devon, PL20 7LS, and they are authorised and regulated by the Financial Conduct Authority (FCA). This may be checked on the Financial Services Register on the FCA’s website.
In the unlikely event that you may wish to make a complaint, this should be directed to T H March. The complaints procedure is detailed in your insurance documentation.
It is important you read the certificate as this details the terms, conditions and any restrictions in cover.
Click here to download the insurance product information document (PDF)
Add theft, damage & loss Insurance from T H March The insurance value is higher than our selling price and is the estimated replacement cost if our Diamond Heaven discount were no longer available at the time of a claim.
1 year cover for £62.73 inclusive of IPT
3 year cover for £114.74 inclusive of IPT
Our UK customers can insure their purchase with MarchGuard cover from T H March, providers of specialist jewellery and watch insurance since 1887.
- No excess on claims
- Simple and easy to arrange
- Accidental loss*
- Accidental damage*
- Theft cover*
- Worldwide cover (up to 30 consecutive days abroad)
- All claims are processed through Diamond Heaven (repair or replacement)
- For 3 year policies, protection is included against price inflation on replacement items (see certificate terms for details)
* Subject to terms and conditions of the policy
Click here to view / download the insurance product information document (PDF)
Click here to view / download the full policy wording document (PDF)
- This insurance is for UK residents only
- There is no cover for wear and tear
- There is no cover for items left in unattended baggage or in an unattended vehicle
- There is no cover for any free gifts or accessories that may have come with the purchase
- There is a 14-day cooling off period
- This insurance is NOT renewable after the initial term
- The policy wording provides full details of cover and exclusions and you are requested to read this.
Important notice: Whilst many home insurance policies may cover certain pieces of jewellery or watches we would advise all customers to check their policies closely. Certain household policies have restrictions on watch and jewellery cover, and may include limitations such as, no accidental damage cover, no cover outside of the home or cover for holidays abroad. They may also restrict your choice of jeweller for repair or replacement. In the event of a household insurance claim, you may be expected to pay an policy excess and any claims made may affect your future premiums.
Carat
WHAT IS CARAT?
Carat refers to the weight of a diamond. Diamonds are all weighed in metric carats rather than grams or ounces. This is a standard industry practice around the world.
Diamond is expressed to the hundredth of a carat. Carat weight of less than a carat is expressed in points. So, for example, a 0.75ct diamond will be 75 points. Most jewellers will refer to carat weight in this terminology.
Another way to explain this would be using pounds, 100 pence equals 1 whole pound. Therefore 50pts will be 0.50ct and so on.
HOW TO WORK OUT CARAT WEIGHT?
A common misconception is that it refers to the physical size of a diamond, which is incorrect. The diamond weight does not govern the size of stone.
We always recommend trying a range of carat weight on to determine which will be best for you. This way you will also be able to assess the visible size. For those who can’t come into our store to view diamonds we have the chart below to give you an indication on size.
| Carat Weight | 0.25ct | 0.50ct | 0.75ct | 1ct | 1.50ct | 2ct | 3ct | 4ct | 5ct | Carat Weight | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Round |  |
4mm | 5mm | 5.50mm | 6.50mm | 7.50mm | 8mm | 9.40mm | 10.40mm | 11.20mm | |
| Princess |  |
3.50mm | 4.50mm | 5mm | 5.50mm | 6.80mm | 7.50mm | 8mm | 8.90mm | 9.70mm | |
| Heart |  |
4x4mm | 5x5mm | 6x6mm | 6.50x6.50mm | 7x7mm | 8x8mm | 9x9mm | 10x10mm | 11x11mm | |
| Emerald |  |
4x3mm | 6x4mm | 6.50x4.50mm | 7x5mm | 8x6mm | 8.50x6.50mm | 10x8mm | 11x9mm | 10x10mm | |
| Asscher |  |
3.70mm | 4.40mm | 5mm | 5.80mm | 6.40mm | 7mm | 8.10mm | 9mm | 9.60mm | |
| Marquise |  |
5x3mm | 8x4mm | 9x4.50mm | 10x4.75mm | 11x5mm | 12x6mm | 14x7mm | 15x7mm | 16x8mm | |
| Radiant |  |
3.50x3mm | 5x4.50mm | 5.50x5mm | 6x5.50mm | 7x6mm | 7.50x7mm | 8.50x7.50mm | 9.50x8.50mm | 10x9mm | |
| Cushion |  |
4x3.50mm | 5x4.50mm | 6x5mm | 6.50x5.50mm | 7.50x6.50mm | 8x7mm | 9x8mm | 10x8.50mm | 10x9.50mm | |
| Oval |  |
5x3mm | 6x4mm | 7x5mm | 7.50x5.50mm | 8.50x6.50mm | 9x7mm | 10x8mm | 11x9mm | 12x10mm | |
| Pear |  |
4x2mm | 6x4mm | 7x5mm | 8x5mm | 9x6mm | 10x7mm | 12x8mm | 14x9mm | 15x10mm | |
HOW TO GET THE BEST SIZE FOR CARAT?
The characteristic that makes the most difference in the visual appearance of a diamond is the cut. You will often have two diamonds of the same carat weight that are different in visual size depending on their cut.
For example, a diamond that is graded as a poor cut would have a small visual appearance, where as a very good or excellent cut would be a lot closer to the visual look you should expect. If a diamond is deeper, then it will have a smaller diameter and if it is shallow then it will have a bigger spread.
For example, you can get a 1.00ct Round diamond graded as ‘fair’ or ‘poor’ cut that measures 5.9mm. You can then have a round diamond graded as an excellent cut which measures 6.6mm approximately.
You can visit our ‘cut’ education section to get more in depth information on this. If you’re still unsure as to which carat size is for you contact us on [email protected] or 0345 222 5009.
