Main Menu

HomeJewellery InsuranceWatch 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.
Find out more
icon-cross

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.
Find out more
icon-cross

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.
Find out more
icon-cross

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
Find out more
icon-cross

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 return of premium to be provided (Subject to no claim being made).

Start here. Get a quote for your first item now…

Close

It's important to insure your watch for the correct amount

£
Wearer's Age
icon-thin-chevron-down
Close

Please select the owner's current age

See what customers are saying about our cover...

Latest News and Advice

More news
Top Ten Watch Brands

Top Ten Watch Brands

There will always be debate on the top ten watch brands and choosing a “definitive” list is very complicated, there are so many factors to take into consideration including; watch functions, materials used, cost and intended usage. This list is my own, which has been compiled using my own set of criteria, many may disagree with the choices and we would be interested to hear from you with your own list and reasons for your choices....

History of Swiss Watchmaking

History of Swiss Watchmaking

Anyone with a keen interest in watches will acknowledge that when it comes to horology, the Swiss are synonymous with one thing and that’s high end top quality products. Today Swiss watches are prized the world over and represent the country’s third largest export....

How to Identify a Genuine Swiss Watch

How to Identify a Genuine Swiss Watch

Swiss watches are famous the world over for their superior quality, but what actually makes a watch “Swiss” and how can you tell you are dealing with the genuine article?...

How to wind an Automatic Watch

How to wind an Automatic Watch

How to wind an Automatic Watch. Firstly, let’s consider what an automatic watch movement actually is. Mechanical watches can be “manual”- where you have to wind the watch up yourself, usually each day, or, self-winding (automatic)....

Glossary of Watch Terms

Glossary of Watch Terms

At Assetsure we specialise in providing insurance for watches. We are able to offer quotations for single watches or entire collections. Our specialist watch insurance policy provides cover on a worldwide all risk basis and in the event of a loss, there is no excess to pay. If you require a quote, please contact our office either by telephone or via our watch quote contact form....

Chronograph Watches

Chronograph Watches

Chronograph derived from the Greek Chronos & Graph which translates as time & writing the earliest form of the device was simply a piece of paper fitted to a circular rotating drum with a pen that marked elapsed time by marking the paper with ink....

Divers Watches

Divers Watches

Many watches are designed not only to keep accurate time but with special features to assist the wearer when taking part in a sport or pastime. In some cases, these special features are critical to the well-being of the wearer, none more so in the case of dive watches....

Watch movement types

Watch movement types

We know from our experience of insuring watches that when it comes to deciding on a purchase, people tend to favour a good brand name and the atheistic qualities of the actual watch. In our opinion, the most important feature, the movement, is often over looked (probably because, unless you have a skeleton watch with a see through back, you cannot see it). The movement is basically the mechanics of the watch that tells the time and in essence, the better quality the movement the more expensive the watch will be....

How to find the watch for you

How to find the watch for you

So, you have a penchant for fine watches. Perhaps you always have, and are confident in your likes and dislikes, taste and unique foibles; with a significant collection already under your belt. Or maybe you are a budding enthusiast, about to embark on your first big acquisition....

All about Rolex

All about Rolex

Value retention of buying Rolex watches as an investment is notably questionable and we have delved a little deeper into seeing which models are most likely to hold or increase value over time....

What Are Swiss Movement Watches? Guide to Swiss Movement Watches & Brands

What Are Swiss Movement Watches? Guide to Swiss Movement Watches & Brands

In Switzerland the manufacture of wristwatches falls in to two main groups:...

Watches at Salon QP

Watches at Salon QP

Visitors to the event had the opportunity to discover every bit of detail that goes into horology’s most enthralling creations through meeting the master craftsmen themselves or attending one of the many planned seminars throughout the duration of the show....

Seek mistletoe; avoid a Christmas ‘hug’

Seek mistletoe; avoid a Christmas ‘hug’

Christmas is always an expensive time of year. It’s when many of us like to indulge our loved ones with special gifts, and take great pleasure in the social traditions and festivities connected to the season. So it’s also when you’re more likely to feel the squeeze. Just make sure it’s not in the arms of a pseudo friendly ‘hugger mugger’....

Watch out….Men’s jewellery is on the rise.

Watch out….Men’s jewellery is on the rise.

A man’s jewellery is often confined to a watch, wedding ring, and, for the more intrepid, perhaps a striking cufflink on special occasions....

Precision to one-millionth of a second. That’s accurate.

Precision to one-millionth of a second. That’s accurate.

Rolex is a brand synonymous with luxury and style, but also with exacting standards of precision, accuracy and reliability. That’s what makes a Rolex, well… a Rolex....

Your Questions Answered

Who are Assetsure ? icon-thin-chevron-down

Assetsure are a UK Insurance intermediary. We are authorised and regulated by the Financial Conduct Authority and are members of the British Insurance Brokers Association.

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 by e-mail. Cover will start 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.