Jewellery & Watch Insurance

Platinum Care Has It Covered

  • Accidental damage

  • For watches only, breakdown after the end of manufacturer's guarantee period.

  • Worldwide cover

  • Theft with force or break in

  • Your item repaired or replaced

  • No excess

Unfortunately It Doesn't Cover

  • Wear and tear

  • Loss of the item

  • Theft without force including pickpocketing

  • Breakdown covered by another guarantee or warranty

Protect What’s Precious To You

Few possessions mean as much to us as a watch or a special piece of jewellery that’s why peace of mind is so important. With Ernest Jones platinum care, provided by leading specialist warranty provider Domestic & General, you’ll know that your valuable item is protected wherever you are in the world (limits and exclusions apply).

Unlimited Claims For Your Most Treasured Belongings

Whether your item is broken or accidentally damaged or stolen, Ernest Jones platinum care is here to put things right. You won’t pay any excess and you can claim as many times as you need. Please note that while a watch is still within its manufacturer’s guarantee, the policy will take care of theft and accidental damage only.

Ernest Jones platinum care is available for a total of 2, 3 or 5 years,depending on the price of your item at the time of purchase.

Buying Your Item As A Gift For Someone?

By including Ernest Jones Platinum Care as part of the gift, you’ll have peace of mind knowing that they can enjoy their present for longer.

When A Repair Is Not An Option

We’ll always try and repair your item first but sometimes things simply can’t be fixed. And what if your item gets stolen? In either case, for valid claims we will replace your item with an identical model. On those occasions where this isn’t possible we will make every effort to offer you a suitable replacement.

This policy meets the demands and needs of those who wish to insure their watches against breakdown, accidental damage and theft with force or break in, or insure their jewellery and other items against accidental damage and theft with force or break in. Please refer to the terms and conditions for a full list of exclusions, restrictions and the complaints procedure. Key details of your policy can be found in the Insurance Product Information Document (IPID).

Frequently Asked Questions

Q: I already have home insurance, doesn’t that cover me?

A: Your home insurance may not cover accidental damage and may charge you an excess and/or increase your premium if you make a claim (please check your cover). With Platinum Care, a one off payment will ensure your item will be repaired or replaced with no additional charges or no excess to pay for a valid claim.

Q:How do I make a claim?

A: Visit your nearest store with your item (unless stolen), your policy document, along with your order confirmation/dispatch note (or till receipt and leaflet if you bought the policy instore) and one of our professional staff members will be pleased to help you. If your item has been stolen, you’ll also need to provide your crime reference number. In the event of a theft, please claim as soon as you can and within 30 days. If you cannot, we’ll still look at your claim but it may have an effect on whether we accept it.

Q:How do I make a complaint?

A: If you wish to complain or are unhappy with any aspect of this policy, please contact Domestic & General Insurance PLC's customer services team. Call on 0800 597 8622, write to Domestic & General at Domestic & General Insurance PLC, Leicester House, 17 Leicester Street, Bedworth, Warwickshire CV12 8JP, or email by clicking on 'contact us' on their website.

If you are not satisfied you can ask the Financial Ombudsman Service (FOS) to review your case. They can be contacted at: The Financial Ombudsman Service, Exchange Tower, London E14 9SR, or email at:

Referral of your complaint to the FOS does not affect your right to take legal proceedings.

Q: When does my cover start and end?

A: The policy period begins for policies sold in store on the date of purchase and for policies sold online on the date of delivery of your product. The policy continues for 2, 3 or 5 years, depending on the policy purchased (unless ended in accordance with the terms and conditions). The duration of cover will be confirmed on your receipt or your certificate of insurance. If you cancel within the 30 day cooling off period you will receive a full refund. If we replace your product, your policy will end immediately and no premium will be refunded

Q: How do I cancel?

A: To cancel your policy during the first 30 days, if it was purchased in store, please return to a store with your documentation and receipt. In all other cases to cancel your policy, please write to us at Domestic & General Insurance PLC, Leicester House, 17 Leicester Street, Bedworth, Warwickshire CV12 8JP, United Kingdom. For policies purchased in store you will need to send in your documentation

Q: How do I purchase Platinum Care?

A: Platinum Care can only be purchased online with the item being protected. Simply add Platinum Care to your basket before completing your purchase.

Domestic & General Insurance PLC is covered by the Financial Services Compensation Scheme. You may be entitled to compensation under the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Our obligations are covered for 90% of any claim with no upper limit.

Ernest Jones Platinum Care is provided by Domestic & General Insurance PLC. Registered office: Swan Court, 11 Worple Road, Wimbledon, London SW19 4JS. Registered in England and Wales. Company No. 485850.

Domestic & General Insurance PLC is an insurance undertaking, not an intermediary. We are the underwriter of the insurance and do not provide a personal recommendation or advice.

Domestic & General Insurance PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Ernest Jones is a trading name of Signet Trading Limited, a company registered in England and Wales with company number 03768979 and registered address Hunters Rd, Hockley, Birmingham B19 1DS.