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Watch Insurance

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.


Extensive Cover icon-thin-chevron-down

Our policy provides "All-risks" cover as standard. This means events such as loss or damage are covered with fewer exclusions and warranties.


Worldwide Cover icon-thin-chevron-down

You are covered anywhere in the world for trips up to 60 days.


Single watches or collections icon-thin-chevron-down

We can insure any make or model of watch. You can choose to insure a single watch or a collection


Protect your no claims bonus icon-thin-chevron-down

This is a "stand-alone" policy, any claim will not affect any no claims bonus you may have under your home insurance


First class claims service icon-thin-chevron-down

We settle claims "in house" and in the event of a loss we'll work with you and our industry contacts to settle your claim as quickly as possible. Most policies are excess free


Insured at Lloyd's of London icon-thin-chevron-down

This policy is underwritten at Lloyd's of London, the worlds oldest continuous insurance market.

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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