Previously we have had to cover the repair and replacement costs ourselves for damaged jewellery, however after recently taking out insurance cover, this time THM responded promptly and confirmed they would cover our claim for repairing my wife cluster ring when she noticed a diamond missing. The only reason for not giving a full 5 stars is that it was not made clear to me we were missing a form I need to sign and share with our jeweller in order for him to process the claim. All good now, ring sparkling again, its just a pity about the delay in finalising the claim.