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Home › Jewellery Insurance › Watch Insurance

Looking for Watch Insurance?

At Assetsure we realise that often a wristwatch is a person’s most valuable personal possession and that also obtaining insurance is sometimes not that easy. We are a bit different from other insurance intermediaries, in that we are able to obtain cover for watches as single items, we don’t require you to insure the rest of your home and contents with us.

We have facilities and can arrange a policy that will provide insurance cover to provide watch insurance for single items or collections. We provide watch insurance for all the major popular brands including: Rolex, Omega,Tag- Heuer, IWC, Breitling ,Hublot, Jaeger-LeCoultre, Patek Philippe ,Audemars Piguet, Cartier, Bremont ,Bulgari but of course will be happy to quote for watch insurance on any type of watch including pocket watches & chronometers.

One of the advantages of insuring your watch via us is that you can protect your valuable home insurance no claims bonus, the policy we provide is completely separate and will replace specified items without deduction of excess.

Often, we find that many modern policy wordings have limits on “All Risks” and someone with a high value watch simply cannot obtain the cover they require without taking out a specialist watch policy.

We are based in the UK and the policies we arrange are designed for persons that are normally resident in the United Kingdom, we arrange worldwide all risks cover with no restrictions on how many trips abroad a year you make (maximum duration per trip 60 days).

How does watch insurance work?

We support you in acquiring standalone watch insurance for your most valuable watches and it works the same as any other insurance policy you take out. Once you contact us and let us know the details about the watch you would like to get protection for, we will be able to produce a quote, which is usually provided on the same day. If you decide to buy the policy through us, you will receive your policy via email with the policy starting when you specified, giving you watch insurance protection when you need it. Cover cannot be backdated.

Where can I insure my watch?

If you are looking for a specialist in watch insurance, then you have definitely come to the right place. We are experts in providing watch insurance protection for a wide range of watches providing same day quotes. Our policy will cover you on a worldwide basis for unlimited trips abroad of up to 60 days duration each trip, your watch will be covered if you take in on holiday or a business trip subject to the terms and conditions of the policy.

Why do I need watch insurance?

Watches are delicate items that can be easily damaged and are often targeted by thieves, a valuable watch is easy to spot of someone’s arm.

We understand that watches can be a person’s most valuable and favourite item they own and if you ever lost it, had it stolen or damaged it, having watch insurance ensures you are covered if you needed to repair (following accidental damage) or obtain a replacement. Insurance is important for valuable items and we will be pleased to assist you with a quotation.

Insurance for a single watch

At Assetsure, unlike many intermediaries and insurers, we can provide insurance for a single watch, so if that is all you wish to insure, we should be able to help. We can supply a policy suitable for your watch and you will have the option to add other watches or items of jewellery throughout the policy term if required.

What does our specialist watch insurance cover?

At Assetsure we are able to obtain specialist watch insurance that provides the wide cover you need to cover a valuable item. Watch insurance cover arranged by Assetsure includes:

Worldwide All Risks Insurance - Physical loss or damage for your watch on a worldwide “All Risks” basis. (maximum 60 days abroad any one trip) There are no country restrictions.

No Excess - If you have to make a claim under your policy, there is no deduction of any excess (the first portion of the loss that you are normally required to pay)

Insure just one Item - We can insure single watches or whole collections

Specified Items - We will provide you with a schedule of insurance with a full description of the watch you are insuring.

No bonus to lose - By insuring your watch separately via us, you can help protect any valuable no clams bonus earned under your home insurance policy.

A variety of payment options - We accept, all major credit and debit cards and monthly direct debits.

Money back guarantee - Another advantage of the policy we arrange is that it gives you a full 30 days to review the cover and apply for a full refund, if you are not entirely satisfied with the cover provided. The normal “cooling off” period is 14 days.

Dealing with Assetsure couldn’t be simpler and your watches can be covered quickly and efficiently by making one quick call or completing our web enquiry form. If you have any questions we will also be pleased to hear from you.

We've got you covered...

Accidental Loss

We’ve got you covered if you mis-place or accidentally lose your watch.
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Accidental Loss

How easy is it to lose a watch ?

It's surprisingly easy to lose a watch, even the best quality watches can have straps that fail unexpectedly and the watch can fall off the wrist, if busy it may be a while before you notice the item is missing.

We can arrange insurance to protect you against loss, However you will be expected to take reasonable care of your watch as you would with any valuable item. Your insurers will also require you to assist them with it's recovery by retracing steps and places you visited before the loss was noticed.

When travelling away from home you must be wearing the watch or it must be left in a safe (a normal hotel room safe is adequate) All watch losses must be reported to the police including local police if you are abroad.

Theft

Unfortunately watches get stolen, we make sure you are covered if the worst happens.
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Theft

Thieves are on the lookout for valuable watches.

A valuable watch such as a Rolex, Omega, or Tag Heuer proudly displayed on your wrist is a beacon to thieves, they know the expensive brands and often will have a detailed knowledge of the model as well. Thieves are well aware of the value of second hand watches and in the case of some Rolex models for example, replacement second hand, can costs more than acquiring the model brand new. This is often the situation with particularly desirable models, as there can be a waiting list to obtain one.

Many thieves are quite adept at removing watches from your wrist, they’ll know how the clasps and straps work and often will operate in teams employing diversionary tactics to steal your item without you realising it.

Other thieves take a more brutal approach threatening violence against you personally or using it to break in to your home or a gym locker where the watch has been left.

A policy arranged by Assetsure, will cover you against Theft including when it has been left at home or in a gym locker or a safe whilst you are away from you home.

Watches over £10,000 left at home will also need to be kept in a safe. All Thefts must be reported to the police including reporting it to the police locally if you are abroad.

Accidental Damage

Accidents happen, and your policy will ensure that your item can be repaired or replaced.
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Accidental Damage

Accidental Damage can mean an expensive repair bill.

Wear and tear, scratching and cosmetic changes, which happen normally as an item ages ,we all have to live with, and are not insurable by any policy we can arrange, but what about more serious damage, say you drop your watch or fell over and cracked the crystal or a fall damaged the mechanism of the watch.

These type of damages can mean expensive repair bills, some manufactures also insist on performing a full service when carrying out any repairs and that alone can mean hundreds of pounds in costs.

A policy arranged covers accidental damage and as there is no excess, repairs will be paid for in full.

Worldwide Cover

Giving you the peace of mind that you can travel and still be protected
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Worldwide Cover

Whatever the time zone, your watch is covered by a policy arranged by Assetsure

Going on holiday or business travel, of course you’ll want to take your watch with you and we’ll cover you anywhere in the world against loss, theft or damage with unlimited trips abroad providing no one trip is not over 60 days in duration.


Travelling away from home needs extra caution with watches, particularly in public places such as bars and street markets, these areas are magnets for thieves looking for travellers wearing valuable items.

Of course whilst wearing the item, you’ll be covered by an Assetsure arranged policy but a theft can be distressing, not to mention the valuable time of your holiday or trip spent reporting the matter to the local police.

If you take your watch off, remember it must be kept in a safe for cover to be valid.

Find out what makes us different...

Why we stand out...

We are a specialist intermediary dealing with insurance for watches. You can insure your watch on an individual basis or a collection. We cover all major brands including: Rolex, Omega, Tag-Heuer, IWC ,Breitling, Hublot etc. Cover is Worldwide “All-Risks” with no excess to pay in the event of the claim.

Premium protection promise

Premium protection promise

We value our customers. Your premium will not be loaded next year by the insurers if you make one claim under £500. We reward loyalty and will guarantee if you find a cheaper renewal quote we will match it.

Excellent Claims Service

Excellent Claims Service

You can easily report a claim to us by telephoning our claims department who can take instructions from you regarding your loss, or if you prefer, you may email us. Full details are contained in your policy document. We’ll assist you to obtain a repaired or replaced item as quickly as possible.

30 day money back guarantee

30 day money back guarantee

We are so confident in the product we supply that we have arranged with the insurers to allow you 30 days to change your mind and request a full refund, this is rather than the generic 14 days given by most. Even if after the 30 days is up, you decide our policy is not for you, we will refund you all of the insurance you haven't used with no deductions from the return of premium.

Treating you fairly...

We will not charge you any additional admin fees to make amendments to your policy or to cancel. We won't use enticing introductory offers to draw you in as we believe the price should be good from the start.

We are so confident in the policy we arrange, that you will be entitled to a full 30 days to change your mind and obtain a full refund. This is an improvement on the 14 days which is normal. Even if after the 30 days is up, you decide the cover is not for you, we will arrange for your policy to be cancelled and a full pro rata return of premium to be provided (Subject to no claim being made).

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Your Questions Answered

General Policy questions icon-thin-chevron-down
General Policy questionsClaims
Who are Assetsure ? icon-thin-chevron-down

Assetsure is a UK-based insurance provider, authorised and regulated by the Financial Conduct Authority. We are also proud members of the British Insurance Brokers Association. We also have LLoyd's of London coverholder status.

How much should I insure my Watch(s) for? icon-thin-chevron-down

1. In respect of watches purchased from new, You should insure for the full replacement value in the UK.
2. In respect of watches purchased second hand You should insure for the amount to replace the item with a one of a similar age and value in the UK.

3. In respect of inherited items, You can either insure the item for either 1 or 2 as detailed above.

Is there any excess to pay following a claim? icon-thin-chevron-down

There is no excess to pay following a claim

How much is watch Insurance. icon-thin-chevron-down

There are a number of factors that govern the cost of watch insurance, the main factors being the replacement value of the watch and the age of the person that wants to insure the item.We have an online watch insurance calculator which in a few minutes will provide you with a cost to insure a watch against loss or damage. In some cases because of your age and watch value, we are not able to provide a quotation online, in these cases, please contact our office and we will do our best to assist.

Are watches covered under home insurance? icon-thin-chevron-down

Under a standard home insurance policy, watches are classed as valuable items and there will normally be a sum insured limit for valuable items covered in the home. If you require wider cover such as accidental damage or loss way from the home, you will need to take out an “All- risks “extension.

A standalone watch insurance policy from Assetsure will cover your watches on an “All- risks basis.

Are there any Age restrictions? icon-thin-chevron-down

The Assetsure Watch Insurance policy is available to persons over the age of 25

When will I receive my policy? icon-thin-chevron-down

Your policy will be delivered instantly via email. Cover will begin from the date you request.

How long does it take to arrange insurance? icon-thin-chevron-down

In most cases, we can provide cover the same day that you request it, simply use our calculator and you can buy the insurance online immediately. In cases where we cannot quote online, we endeavour to provide you with a quotation within 24 hours during the week.

How will you settle my claim? icon-thin-chevron-down

The most we will pay in total for each incident of Loss is the Amount insured which you choose when you take your policy out. Please make sure this to sufficient replace your item at UK retail prices.

How do I prove what my item is worth if I need to make a claim? icon-thin-chevron-down

In the event of any claim being made for Loss of or Damage to any insured item, the onus of proving the existence, ownership and value of the item shall be upon you to prove. We accept the following items as proof of existence and Ownership;

For Items less than 5 years old
A personalised and dated purchase receipt or bill of sale detailing the insured item.
A debit or credit card or bank statement detailing the amount paid.
If a private sale, dated correspondence relating to the sale such as a letter or e-mail identifying the seller of the item.

For Items more than 5 years old
Any of the above items.
Photographic or other dated documentary evidence such as a personalised valuation or service receipt.
A valuation with full description of the item from a United Kingdom based Jeweller or Valuer stating their contact details and business credentials.

Important Documents

AGI Jewellery Collectables Wording AGJC0921

AGI Jewellery Collectables IPID

Assetsure Terms of Business Agreement January 2022