Why do you need jewellery and watch insurance?
Many home insurance policies will offer single item cover up to only £1,500. This means that you would not be able to claim for a piece of jewellery worth more than £1,500. You can often list items in excess of the single item limit but there will always be a maximum amount, this could typically be just £10,000, of what the insurer is willing to cover. If you have a particularly high-value item, like a Rolex watch or Cartier ring, it is more than likely you will need a specialist jewellery policy or will need to include your jewellery items within a high value home insurance policy.