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Expensive watch insurance made easy
With the provision of both stand-alone and high value home contents policies, designed to protect your valuable watches, at Highworth Insurance we specialise in finding the right level of cover for you. Our team of experienced, UK based account managers are on-hand to assist you with this and to discuss your particular requirements.
Watch insurance tailored to your circumstances
The very nature of watches makes comprehensive insurance a must have; worn day in and day out, even the best watches are susceptible to accidental damage. The risk of theft is also increased with respected makes, for example Rolex, Tag Heuer and Breitling, whilst changes to routine, such as holidays, increase the risk of loss.
Stand-alone watch insurance
If you are the proud owner of an expensive watch, Highworth Insurance can provide a stand-alone watch insurance policy, independent from your home contents insurance. This is a comprehensive offering, underwritten by global insurers Catlin Insurance Company (UK) Ltd.
The benefits of a stand-alone policy include:
- Worldwide cover
- The option to reduce premiums by restricting cover to the UK or Western Europe
- Comprehensive cover for theft, loss and accidental damage
- The right to repurchase any recovered watch subsequent to any claim
- An immediate quote typically available for watches up to £20,000
- Cover available up to £100,000 subject to discussion with our underwriters
- No excess to pay in the event of a claim
Cover within a home contents policy
Whether you are travelling abroad with your jewellery or worried about leaving expensive art at home, wherever you are, your possessions are sufficiently insured
Inclusion within a high value home insurance policy
Inclusion within a high value home policy can offer highly competitive premiums, especially when taking into account the value of all items covered within the policy.
At Highworth Insurance under our most popular high value home policy we offer:
- Comprehensive worldwide cover on an all risks basis
- Valuables worth less than £5,000 are automatically covered with no requirement to specify
- Up to £80,000 of cover for valuables immediately. More after a short discussion with our underwriting team
Sometimes standard cover is not enough
If you are considering listing an expensive watch under a standard home insurance policy, depending on the value of your watch and other valuables you wish to include, it is advisable to be aware of the following:
- It is common for insurers to restrict cover for valuables on standard polices, for example on £50,000 contents cover, valuables can be restricted to £10,000 in total, not per item
- Standard policies often restrict single item claims. This is often set at £2,000 but can be as low as £1,000
- Some standard policies carry restrictions pertaining to your security measures and where your watch stored
Need to insure more?
We can also offer cover for extensive jewellery collections. Our most popular high value home policy can cover up to £80,000 of jewellery cover anywhere in the world. We can cover higher sums after a more in depth discussion and referral to our underwriters.
We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.