You can purchase a borrower's protection plan at checkout. If you purchase the protection, then you won't be charged for any regular wear and tear of the piece. 2. You will be held responsible for any loss, destruction or irreparable damage to the product beyond any regular wear and tear (small stains, rips, missing beads or buttons, broken zippers or any other minor damages covered by our protection). 3. Items are photographed and inspected as they leave our shop and as they return. We reserve the right to determine whether damages exceed the regular wear and tear allowance. 4. To summarize, any items returned stained or damaged beyond repair will be charged at full retail value. Borrower protection covers wear and tear but does not cover loss of the item or irreparable damages. The protection does cover everyday wear and tear as stated in point #2.