customer services

Jewellery & watch insurance

Platinum Cover from Assurant General Insurance Limited. Ernest Jones are agents for Assurant General Insurance Limited.

Platinum Cover Protection for your Jewellery and Watches

Ernest Jones is one of the UK and Ireland's leading jewellers and as part of our unrivalled services, Platinum Cover gives you the peace of mind that your purchase is protected. Taking the option to purchase Platinum Cover ensures that the items you purchase from Ernest Jones are protected in the event that they need to be repaired or replaced due to accidental damage, theft, robbery or as a result of standard peril such as damage or destruction caused by storm, flood or fire. In addition, watches are covered for breakdown after the expiry of the manufacturers' guarantee.

The cover provides repair or replacement of your insured items. If we can repair the insured item to restore it back to its original condition, we will. However, if we are unable to repair it or, if the item has been stolen, we will provide a like for like replacement. If the original item is no longer available, we will provide you with a replacement item up to the original purchase price (sum insured). Depending on the insured goods full selling price, at the time of purchase, goods can be covered for 2, 3, or 5 years. (Full terms and conditions available in store).

Benefits of Platinum Cover

  • Comprehensive insurance cover protecting your purchase in the event that it is accidentally damaged stolen or in the case of watches, break downs after the manufacturer's guarantee has expired.
  • Replacement or repair from any Ernest Jones store.
  • Like for like replacement where possible.
  • Worldwide cover for your insured goods.
  • No excess to pay in the event of a claim

Main Exclusions

  • Damage caused by general wear and tear, denting and scratching.
  • If the item is stolen from a motor vehicle, unless the vehicle is locked at all points of access and all the security systems are activated and the insured item is concealed out of sight in the locked boot or locked glove compartment.
  • If a theft is not accompanied by signs of force being used to enter or leave.
  • If the insured goods have been lost or mysteriously disappeared.

Cooling off period

If you change your mind the policy can be cancelled within the first 30 days of cover*. During this period a full refund or premium will be given provided no claims have been made and the certificate is returned to an Ernest Jones store.

* Charges for cover is the total amount payable by you in relation to this insurance.

Making a claim

If you need to make a claim simply call into any Ernest Jones store with the damaged item (where applicable) your certificate and your original till receipt. Ernest Jones staff will be happy to assist you.

Customer Care

Although Ernest Jones and the insurer, Assurant General Insurance Limited, set ourselves high standards, if we do not meet your expectations and you are dissatisfied in some way we would like to know. In the first instance, please contact: The Customer Services Manager, Ernest Jones, Hunters Road, Hockley, Birmingham, B19 1DS.Telephone Number: 0044 345 602 1112**, email:

If your complaint is regarding the policy, then please contact The Complaints Dept, Assurant General Insurance Limited at 117-119, Whitby Road, Slough, Berkshire, SL1 3DR, United Kingdom. Telephone 1890 818 011 or email On receipt of your complaint the insurer will provide you with full details of the complaints procedure including contact details for the Financial Ombudsman Service who can review your case should you remain dissatisfied.

** Calls charged at local rate. May be recorded.

Data Protection

Ernest Jones is a member of Signet Trading Limited group of companies. Signet Trading Limited and Assurant General Insurance Limited are committed to maintaining the personal data that you provide in accordance with the requirements of applicable data protection regulation. Full details of the protection and use of your personal data is contained in the certificate of insurance. This document is freely available, prior to purchase, from any Ernest Jones store.

Platinum Cover is underwritten and administered by Assurant General Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202735.

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