Get in touch with us now

What is Watch Insurance?

Looking for the best watch insurance? Our comprehensive range of four insurance policies gives you the peace of mind to wear your watches when and where you want. Whether it’s a purchase from Patek Philippe, Richard Mille, Rolex, Audermars Piguet, Omega, IWC or any other watch brand worldwide, our comprehensive insurance coverage means you’ll sleep better at night.

Watch only insurance is a stand-alone insurance product which comprehensively protects your item or collection.

Our comparison site caters for watch items or collections from £1,000 in value up to £500,000, and everything in between. We built it this way, ensuring getting cover couldn’t be easier. If your collection is over £500,000, no problem! Get a quote online and we’ll talk through the options.

Luxury protection, arrange instant cover today

Start online quote

Why do you need watch insurance?

According to the world’s largest watch database, the number of watches recorded as lost or stolen has tripled over the last year.

A watch is considered ‘valuable’ in a standard home insurance policy wording. A typical home policy will cover a watch for up to £10,000 inside the home but may not automatically cover an item away from the house. You will need to add personal possessions cover for this, for an additional premium.

Our watch policies can include*:

  • The minimum age is 18
  • Worldwide coverage as standard
  • Accidental loss, damage, theft and fire cover
  • No limit on individual watch value
  • Cash settlement or like-for-like replacement
  • No excess to pay
  • Cover for a single watch or watch collections
  • Minimum premium is £69.80 for 12 months.

*Terms and conditions apply. 10 x monthly payments. Arranged by Close Brothers Premium Finance.

Why choose Stanhope for your watch insurance?

  • We understand your luxury watch is one of your most prized possessions. Stanhope uniquely has a panel of four stand-alone insurance options and can now offer clients four instant solutions over the phone. Stanhope also has a comprehensive range of high-value home insurance products. Alongside our expert team, we are uniquely placed to give you a choice of three solutions alongside tailored advice.
  • We can cover all major brands, including Patek Philippe, Rolex, Audemars Piguet, Cartier, Tag Heuer, Vacheron Constantin, Omega, Breitling, Panerai, IWC, and others.

Get up to four quotes now, within minutes

Arrange instant cover

No Claims Discount Available at First Renewal with Stanhope

How much will watch insurance cost me?

We break down the magic formula to allow you to calculate, on your own, the estimated cost of insuring your watch.

Luxury protection, arrange instant cover

Arrange cover online

Watch Insurance FAQs

Do you insure watch collections?

Yes, at Stanhope we can provide you with insurance for a watch collection. Stand alone watch policies are a little difficult to come by due the current hard market. Speak to an advisor for more information.

Are there any restrictions on my watch insurance policy?

Most worst-case scenarios, such as (accidental) loss, damage and theft, can be covered anywhere in the world. However, there are some exclusions within the policy wording that you need to know. For example, you cannot make a claim if there is cosmetic damage (scratches and dents) or general wear and tear. If you leave your watch in an unattended bag, then it will not be covered. If your watch mysteriously disappears, this may not be covered either. We always recommend to check your policy for full terms, conditions and restrictions. 

Is watch insurance worth it?

Yes! Thieves often target watches in burglaries and muggings, as they are easy to steal and resell. If you have a valuable watch, you probably want to wear it most days of the week. If you dropped your watch and it stopped working, the accidental damage section of the policy could provide you with the cover you need to repair or replace the watch.

What are the benefits of Stanhope offering up to four quotes in one place

  • Shop around instantly: You can obtain solutions from multiple products instantly. Doing your ‘shopping around’ instantly allows you to return to your active life
  • Cover options: You can choose between different coverage levels. For example, you can take a lower-cost product, excluding accidental loss cover
  • Positive competition: Having a range of insurance products on the same panel provides healthy competition, helping to keep premiums competitive and terms sharp
  • Underwriting flexibility: Each product has a nuanced client appetite. With three insurers and four products to choose from, you may be able to obtain terms when previously not possible
  • Consistent claims process: Each provider has committed to an online claims journey. Stanhope will help with claims regardless of the product purchased, ensuring a quick resolution

Reviews

Our services

You might also be interested in