Your new item is valuable and could be lost, stolen or damaged. Would you like to be able to come back to us for repair and replacement as close as possible to the original item.
If so, then Assetsure Valuable item insurance may be for you.
What's covered
  • Accidental Loss.
  • Accidental Damage.
  • Theft including Mugging.
  • Accidental Loss.
  • No Excess to pay if you have a claim.
Main Exclusions
  • Loss or damage occurring outside of the United Kingdom if you have been, or intend to be, away from the United Kingdom for more than 60 consecutive days.
  • Scratching, denting or cosmetic only damage.
  • Any loss or damage to Jewellery and Watches away from either your home or another private dwelling in the UK where you are staying temporarily, unless the item is: a) worn by you, or b) carried under your close personal control, or c) Kept in a locked safe, or d) Kept in a locked gym locker whilst you remain on the gym premises.
To be eligible for the Assetsure policy you must be able to confirm the following:
  • You are over 21 Years of Age.
  • You are normally resident in the United Kingdom.
  • You or the wearer of any item have no unspent Criminal Convictions.
For full terms and conditions please click here.
Important Note
You need to satisfy that this product is suitable for you and ensure that you do not already have insurance covering similar risks.
Important Note Demands & Needs
We do not specifically recommend products; You need to satisfy that this product is suitable for you and ensure that you do not already have insurance covering similar risks. This product meets the demands and needs of those who wish to ensure that their Jewellery is protected against a wide range of perils, such as accidental damage, theft and accidental loss.
Your premium includes insurance premium tax at the current rate
This insurance policy is arranged and sold by Assetsure which is a trading name of Hildon Park Limited. Hildon Park Limited are authorised and regulated by the Financial Conduct Authority under reference number 592997 to carry out the distribution of insurance products.
FREE WORLDWIDE DELIVERY EXTENDED RETURNS / 60 DAY EXCHANGE 5 YEAR WARRANTY 0% APR FINANCE UK HANDCRAFTED
FREE WORLDWIDE DELIVERY EXTENDED RETURNS / 60 DAY EXCHANGE 5 YEAR WARRANTY 0% APR FINANCE UK HANDCRAFTED
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Help | V12 Retail Finance

V12 Retail Finance

Finance Information

0% Interest (APR Representative) available on sales over £375. Terms apply.

PAYING IN INSTALMENTS FOR ITEMS OVER £375

Applicable to all jewellery we sell on our website at a value over £375, we offer our customers the opportunity to pay by instalments. Our selection of interest rates and deposit amounts is very competitive.

Applying for finance is fast and easy. Complete the credit agreement, sign it online and get an instant credit decision. Upon acceptance, pay your deposit and you’re done.

HOW TO APPLY

You can apply for credit by selecting this method of payment at the final stage of the checkout process. It only takes a couple of minutes and you’ll get an instant decision.

QUALIFYING FOR CREDIT

  • You must be over 18 years of age.
  • You must be a UK resident with at least 3 years’ continual address history.
  • You, or your partner, must be in permanent paid employment, self-employed, retired and receiving a pension, or a working student in part-time work or in receipt of a disability benefit.
  • You must have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable).
  • You must have a UK bank or building society account capable of accepting direct debits.
  • The goods must be delivered to your home address.
  • Please note that discount/voucher codes cannot be applied to items purchased with the V12 Retail Finance option.

WHO PROVIDES FINANCE?

Secure Trust Bank PLC trading as V12 Retail Finance

TheDiamondStore.co.uk
Loan agreements are only available to UK residents over 18, subject to status. Terms and conditions apply. Minimum spend applies.

V12 Retail Finance is a trading style of Secure Trust Bank PLC. V12 Retail Finance is regulated by the Financial Conduct Authority.

Regalian Ltd t/a The Diamond Store acts as a credit broker and offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Regalian Ltd is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our registration number is 731102. Credit is provided subject to age and status. Minimum spend applies. Not all products offered by Secure Trust Bank PLC are regulated by the Financial Conduct Authority.

TheDiamondStore.co.uk
We can introduce you to a limited number of finance providers: We act as credit broker and not a lender:
Regalian Ltd t/a The Diamond Store acts as a credit broker and will introduce you to V12 Retail Finance Limited to complete your application for finance.

Regalian Ltd t/a The Diamond Store, Registered 5736216, Trading Address (No Returns Here Please), Suite 17410, 20-22 Wenlock Road, London N1 7GU

FINANCE EXAMPLE

The following example is based on a purchase of £539 with a 50% deposit and payments at 0% interest over 6 months (APR Representative).

  • Finance Option: 6 Month Interest Free (50% Deposit Only)
  • Annual fixed rate of interest: 0%
  • Deposit: 50%
  • Monthly payment: £44.91
  • Number of monthly payments: 6
  • Deposit you pay now:£269.50
  • Loan amount to be repaid:£269.50
  • Cost of loan (interest):£0.00
  • Total amount payable (including deposit):£539.00

HOW MUCH CAN I BORROW?

When checking out, just fill out V12 Retail Finance easy online application form and you can be approved for up to £15,000 to spend on the jewellery you wish to purchase. Credit is subject to status. The minimum order value to pay by finance is £375.

IS A DEPOSIT REQUIRED?

Yes, a minimum 10% deposit will need to be paid upon acceptance.

HOW ARE MY MONTHLY PAYMENTS MADE?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of the finance agreement. Subsequent monthly payments will be due every month for the entire length of your repayment period, usually on the same day of the month.

WHAT TYPE OF JEWELLERY CAN I BUY ON FINANCE?

Anything on our website. Please remember that the minimum order value for finance is £375.

WHAT LENGTH OF REPAYMENT IS AVAILABLE?

You can choose a 6, 12, 24 or 36-month loan repayment period.

COMPLAINTS

If you have a complaint, please refer to our formal complaints policy and procedure. You also have the right to refer your complaint to the Financial Ombudsman Service.

HOW DO I APPLY?

You can apply on our website. Simply follow the checkout process and select V12 Retail Finance as a payment method.

CAN I PAY OFF MY LOAN EARLY?

You can settle your loan agreement at any time. Simply contact V12 Retail Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

CONTACTING US BY TELEPHONE

If you have any questions on finance please call us on 0345 084 1200, please bear in mind we can’t process an application over the phone or give an indication of likely finance acceptance.

Finance provided be PayPal Credit, Terms and Conditions apply. Credit subject to status. UK residents only. PayPal Credit is a trading name of PayPal UK Ltd, Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH.

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Professional Jeweller Awards 2023 Finalists
The United Kingdom Weddings and Honeymoons Awards 2024 Finalists
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Copyright © 2025. All Rights Reserved.
| Registered in England and Wales Co No. 05736216
Regalian Ltd t/a The Diamond Store is a credit broker for the purpose of introducing credit provided by the lender Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, Authorised and Regulated by the Financial Conduct Authority, and PayPal Credit is provided by PayPal. PayPal Credit is a trading name of PayPal UK Ltd, 5 Fleet Place, London, United Kingdom, EC4M 7RD. Regalian Ltd is authorised and regulated by the Financial Conduct Authority with registration number 731102. are Authorised and Regulated by the Financial Conduct Authority. We are a credit broker, not a lender – credit is subject to status and affordability, and is provided by a panel of lenders of whom we have a commercial relationship. Terms & Conditions Apply. Credit is provided subject to age and status. Minimum spend applies. PayPal Pay in 3: PayPal Pay in 3 is not regulated by the Financial Conduct Authority. Pay in 3 eligibility is subject to status and approval. 18+. UK residents only. Pay in 3 is a form of credit, may not be suitable for everyone. Use may affect your credit score or make credit less accessible or more expensive for you. Consider if affordable for you. See product terms for more details.

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Our Returns Policy

We want you to feel completely confident when you shop with us. That’s why we offer FREE 30-day returns for refunds and 60-day exchanges across the UK and Northern Ireland.

If you’ve ordered a ring smaller than a size J or larger than a size Q, don’t worry — these are custom sizes, but we’re still happy to offer a free exchange or resizing if the fit isn’t quite right.

Cancelling an Order Before Dispatch

Changed your mind? No problem — you can cancel your order anytime before it’s been dispatched.

Just reach out to our friendly team via Live Chat, by email at customerservice@thediamondstore.com, or give us a call on 0345 084 1200 (or +44 345 084 1200 if calling from outside the UK). Please have your order number handy to help us assist you as quickly as possible.

Product Measurements

Please note that for rings smaller than size J or larger than size Q, the width may vary slightly (up to 10%) due to the crafting process. If you need any adjustments, we’re happy to help.

Damaged or Defective Items

If your item arrives damaged or defective, we’ll make it right — fast. We’ll either repair or replace it at no cost to you, or provide a refund once it’s been assessed by our head jeweller.

Our standard returns policy is 30 days to return, and 60 days to exchange.

Our 5 Year Warranty.

We stand by the quality of our jewellery. That’s why all our pieces come with a 5-year warranty against defects in materials or craftsmanship. Every item is also fully hallmarked according to UK legislation, confirming its authenticity and origin.

How Refunds Work

Once we’ve received and inspected your returned jewellery, we’ll process your refund right away and email you to confirm. Depending on your bank or payment provider, it may take 3 to 5 working days to show up on your statement.

We’ll always refund you via the same method you used to make your purchase — whether that was credit or debit card, PayPal, Pay4Later Finance, bank transfer, or another option.

To avoid delays, make sure to include the returns label print-out with your parcel. This helps us identify your return quickly.

Ethically Sourced Diamonds

We’re proud to say that all our diamonds are conflict-free and fully compliant with United Nations regulations. When you buy from us, you’re choosing ethical beauty.

Need Help? Get in Touch

We’re here whenever you need us.

📧 Email us: customerservice@thediamondstore.com or returns@thediamondstore.co.uk

📞 Call us: 0345 084 1200 (UK) or +44 345 084 1200 (International)

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