Simply disclose it to your insurance broker who can provide advice around suitable options.
Specialists will review the values, physical security and the flexibility of cover you need to ensure you receive exactly the right cover.
Insurance for our private clients and their watches
As well as being a significant financial investment, we know that your luxury watches hold personal and sentimental value, and are items to be cherished and protected.
So we can deliver specialist watch insurance as part of your personal insurance portfolio with your lifestyle in mind, to provide worldwide watch insurance cover, home and away, against loss, theft or accidental damage.
Key benefits and features:
- Agreed value cover ‒ receive an agreed value in compensation.
- Worldwide cover ‒ wear your watch whilst away from home.
- Extended cover ‒for watches with up-to-date valuations (as per contract conditions).
Get specialist watch insurance cover you can rely on
Speak to our private clients team to arrange your cover now, and as your watch collection grows in number and value.
Top tips to protect your watches
- Keep all original paperwork and boxes as these can impact the value.
- Keep up-to-date with market trends and recent sales as there is a lot of market volatility, meaning values quickly become outdated.
- Get all watches regularly maintained and serviced to avoid maintenance issues.
- Obtain valuations from reputable appraisers / watch specialists.
- Keep watches that are not worn in a safe or secure watch winder safe.
What's usually covered in a standalone watch insurance policy?
The cover you’ll need depends on the particular watches you want to protect. If you're unsure about what you need, speak to our team who can arrange a policy that's right for you.
Please note this list is not exhaustive – refer to full policy document for details.
What's insured?
- Damage to watches: use a jeweller of your choice.
- Automatic cover for any new items for up to 60 days.
- Limited onerous security warranties.
- Extended cover for pieces with up-to-date valuations (as per contract conditions).
What's not insured?
- Wear and tear.
- Certain imported items ‒ where appropriate UK customs duty has not been paid or where evidence cannot be provided.
Still not sure what level of watch cover you need?
Call us on 0330 818 1774 to discuss your specific requirements.
Why choose us?
Each of our clients and their families have their own dedicated Client Executive who looks after them. As your needs change and develop, so do your policies.
Our commitment to you
Specialist insurance
for you and your family, from your personal adviser and dedicated team.
Working with you locally
backed by the world’s leading insurance broker and risk management adviser.
Our focus
is to get you exactly the right cover from our specialist insurer partners.
We ensure confidentiality
and discretion, whilst protecting your personal data.
We represent your interests
at the time of a claim, to get you the best possible outcome.
Proactive help
to prevent disruptive claims occurring and to make things better for the future if they do
Clear and transparent advice
you can trust, protecting your family, assets and lifestyle year after year.
Our personal service is backed by the world’s leading insurance broker and risk management adviser, so you know you're in good hands.
If you're unsure where to start, please call our specialist and friendly team on 0330 818 1774 to get the help you need.
What people like you, say about us
Jewellery insurance FAQs
Yes, depending on your home insurance policy the sub-limits for jewellery within the contents section are often very low. Therefore we advise that you specify your piece(s) at the market/replacement value or take out a separate jewellery insurance policy.
On a Private Clients/high net worth jewellery insurance policy, there are specialist policy sections that cover valuables, jewellery and watches. These will offer more flexible cover, have less limitations and ensure coverage outside the home.
There are many specialists out there, just ensure they’re certified valuers. If you’re unsure about this, we’re always happy to provide guidance. For readily available pieces, you may wish to keep an eye on the up-to-date retail values online.
Generally in high net worth insurance programmes, cover is on a worldwide basis for valuables, unless the item is specifically noted as being in the bank vault or safety deposit box. Therefore, you’re covered to wear your treasured pieces outside the home as standard.
Often insurers require a piece of jewellery to be specified on the schedule when they exceed the policy single article limit. These vary from insurer to insurer but are usually above £10,000.
Those pieces valued under the single article limit can be insured as a collection and would still need to be considered in the total covered sum. It’s important to retain cover at up-to-date market values as the markets can be fairly volatile for valuable jewellery.