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What is Watch Insurance?

We understand that your watch is one of your most prized possessions. Our comprehensive range of insurance policies gives you the peace of mind to wear your watch when you want and where you want.

Choose from either a standalone watch insurance policy or inclusion within our high value home insurance policies. Our experienced team will provide you with the policy that best suits your needs.

Why do you need watch insurance?

Watches usually fall into two categories: your everyday watch for any occasion or your special timepiece that is worn for important events only. The more it is worn, then the more susceptible it is to loss, theft but above all accidental damage. If it is worn on important occasions, it carries greater risk of attracting a theft or loss (travelling to and from an event or overseas). A comprehensive insurance policy will give you peace of mind to enjoy wearing it no matter where you are.

Main benefits of watch insurance

  • Worldwide Coverage included as standard.
  • Comprehensive cover for Accidental damage, Theft and Loss.
  • Cover available up to £1,000,000.
  • Cash or replacement option in the event of a claim.
  • No excess to pay in the event of a claim.

Are there any restrictions on my watch insurance policy?

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

Is watch insurance worth it?

Yes, it’s much cheaper than you would think to insure a watch. Prices can start as low as £200.00 a year for a watch valued at £10,000. 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 would provide you with the cover you need to repair or replace the watch.

Get a quote or call us on 01730 777600