Q. Should I buy a 4 or 6 claw setting for my brilliant cut diamond?
A. This depends on what you like. Smaller stones, less than 0.50 carat, are greatly affected appearance-wise by the type of setting. Four claws tend to make make them look more square while six claws cover more of the stone. If you want only four claws then opt for a platinum setting as it is stronger than gold. Six claws will hold the stone more securely in the event that one fails which is a possibility.

Q. How important is the setting?
A. Well, like tires to a car, it is the most under-rated part of the whole package. It is the only thing that hangs on to your investment. Cheap settings are made of stamped yellow gold. The more expensive ones are hand crafted. Some shanks and settings are cast and then assembled by hand. Cheaper rings are cast in one piece with a rhodium plated setting. This looks alright until the rhodium plating wears off and the yellow gold shows through. Be sure to find out what the setting is made of and don't be afraid to spend extra on the setting you want.

Q. How long will my setting last?
A. It depends on what you do and what the setting is made out of. It is wise to have it inspected annually so that any worn claws can be replaced before they completely wear off.

Q. Is my diamond covered under my homeowner's insurance?
A. You should check, but probably not. Most policies will allow you to "list" jewellery valued at under £500. It is always best to obtain a valuation for your ring. This has detail of every aspect of the setting and diamond. In the unlikely event that the ring is lost, you have all the details for the insurance company.

Now that we have discussed settings, lets turn our mind to other things.