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Looking for a Watch Insurance Quote?

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 insurers in that we are happy to provide cover for watches as single items and we don’t require you to insure the rest of your home and contents with us.

We have developed a policy underwritten at Lloyd’s of London to provide insurance for single watches or collections. We cover all the major popular brands including: Rolex, Breitling, Omega, Patek Philippe &Tag Heuer but of course will be happy to quote for insurance on any type of watch including pocket watches & chronometers.

One of the advantages of insuring your watch with us is that you can protect your valuable home insurance no claims bonus, our policy is completely separate and we 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 policy.

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

Insurance for a single watch

At Assetsure, unlike many insurers, we can provide insurance for a single watch, so if that is all you wish to insure, it’s fine with us. Our policy will provide valuable cover for your watch, listed below are just some of the benefits

Worldwide All Risks Insurance- We provide physical loss or damage for your watch on a worldwide “All Risks” basis. ( maximum 60 days abroad any one trip)

No Excess- If you have to make a claim under your policy we do not deduct any excess.

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 with us, you can help protect any valuable no clams bonus earned under your home insurance policy.

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

Money back guarantee- So confident are we in our policy, we will even give you a full 30 days to review our policy wording and change your mind if you are not satisfied.

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 or simply require some advice, 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 ?

Surprisingly easy, watch straps can fail and the watch can fall off the wrist, if busy it may be a while before you notice the item is missing.

Whilst we provide insurance against loss, we expect you to take reasonable care of your watch as you would with any valuable item. We also require you to assist us with it's recovery by retracing steps and places your 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.

Theft

Unfortunately items get stolen, we make sure you are covered if the worse happens.
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Theft

Thieves are on the lookout for valuable watches.

A valuable watch such as a Rolex 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.

Many 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.

An Assetsure policy 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.

Accidental Damage

Accidents happen, we 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 and gradually ageing of an item, we all have to live with, but what about more serious damage, say you drop your watch or fell over and cracked the crystal.

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

An Assetsure policy 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 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 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 our cover different...

Why we stand out...

We are a specialist jewellery insurer with an extensive network of trusted jewellers across the UK that we use to repair / replace your item on a like for like basis

Premium protection promise

Premium protection promise

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

In-house claims service

In-house claims service

Our sales office is open 7 days a week making it easier to report your claim. We are a dedicated, friendly and efficient team who's sole aim is make your claim experience hassle free and easy

30 day money back guarantee

30 day money back guarantee

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

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 our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

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

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Your Questions Answered

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

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.

Who will I be insured by? icon-thin-chevron-down

The Assetsure Insurance policy is underwritten at Lloyd’s of London