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Madman37 · 27 July 2019, 06:05 AM

Hi has anyone in the UK insured their watch if so can you recommend any places that insure it that are good

Thanks

nighthawk77 · 27 July 2019, 06:12 AM

I've added watches and jewellery to my house insurance policy. Bumps the price up a couple of quid per month each time I add something new, but 100% worth it for the peace of mind should anything ever happen.

R G · 27 July 2019, 06:14 AM

House insurance - listed items within the contents.

Lifeisarolliecoaster · 27 July 2019, 06:32 AM

TH March may be worth a look as a separate policy from your home insurance

phez · 27 July 2019, 07:06 AM

Quote:

Originally Posted by Madman37

Hi has anyone in the UK insured their watch if so can you recommend any places that insure it that are good

Thanks

Depends on how many watches, total value to be insured, plus any other jewellery you need to add.

If the watch is below £15,000 add to your home insurance.

In my experience forget about it if you are talking about a PM watch. Or if your total Contents insurance plus watches and jewellery exceeds £75, 000.

TH March are very expensive for PM watches.

Try Hiscox.

thesharkfactor · 27 July 2019, 07:10 AM

I did for a while but it was costing too much extra per month.

Soultime · 27 July 2019, 07:11 AM

Had a thread on this not too long ago if you do a search...

LooseCann0n · 27 July 2019, 07:55 AM

Ripe insurance - separate from home building/contents insurance.

Sent from my iPhone using Tapatalk

CharlesN · 27 July 2019, 08:08 AM

Quote:

Originally Posted by Madman37

Hi has anyone in the UK insured their watch if so can you recommend any places that insure it that are good

Thanks

The best deal I have managed to find is via my Household insurance.

I have tried several specialist watch and jewellery specialists and they were far more expensive. One even specified that i have to hav my rolex DD serviced every 2 years.

Adding specified items to my household policy was just simple and easy.

Madman37 · 27 July 2019, 08:49 AM

Thanks all does house insurance insure it for theft and damage say if you drop it or something? What about if it’s nicked from you if your out?

ade · 27 July 2019, 09:39 AM

Chubb. The best policy there is, bar none.

Soultime · 27 July 2019, 04:38 PM

Quote:

Originally Posted by Madman37

Thanks all does house insurance insure it for theft and damage say if you drop it or something? What about if it’s nicked from you if your out?

This (pic) was a specified item on our house insurance and the insurer paid out for a full Rolex repair.
It was Sainsbury, but I have switched to Aviva as they refused to cover my latest watch.
Cost is very reasonable when added to a household policy.

Zippy+ · 27 July 2019, 04:52 PM

Lloyd’s house insurance

Rocket launcher · 27 July 2019, 06:11 PM

Ripe insurance....
More expensive than household but full cover
Theft
Damage
Mugging
Loss
Even your family members can wear your watch and you are covered
And it's Worldwide cover

With insurance you get what you pay for..

House insurance do houses and contents
Ripe do Watches.

Piece of mind

cdbeaver66 · 27 July 2019, 06:37 PM

Quote:

Originally Posted by Rocket launcher

Ripe insurance....
More expensive than household but full cover
Theft
Damage
Mugging
Loss
Even your family members can wear your watch and you are covered
And it's Worldwide cover

With insurance you get what you pay for..

House insurance do houses and contents
Ripe do Watches.

Piece of mind

Ripe inusrance for me too, all watches covered.

Oldwoods · 27 July 2019, 07:00 PM

We have them on our home insurance as specified items with accidental cover.
The insurance company did insist on a safe being installed when we added the latest one.

mattskybeat · 27 July 2019, 07:10 PM

I used to use ripe too but sadly they have a £20k limit on a single item so no good for pm watches any more

MattPegler · 27 July 2019, 07:47 PM

My house insurance was very willing to accept my watches as content, though I haven't had to claim yet.

Stevec14 · 27 July 2019, 08:51 PM

I use assetsure, they seem very similar to ripe. No issues with them.

deezer23 · 27 July 2019, 10:08 PM

Does anyone know how the valuation aspect works (have seen that valuation certificate is needed)? I.e. if you bought from a grey, will the insurance cover the cost of grey purchase or MSRP?

RPB · 27 July 2019, 10:47 PM

I’ve just moved to Nationwide insurance as I bank with them so mine is covered under that.

jaySL350 · 27 July 2019, 11:17 PM

I use Asset Sure,,,
3% of the watches retail price to insure,,

Mr.Rolex1 · 31 July 2019, 01:59 AM

Leave it to your butler

Matty99365 · 31 July 2019, 05:48 AM

I use Highworth Ins.
Catlin are the Insurers.

AH0RSEY · 31 July 2019, 08:41 PM

Quote:

Originally Posted by phez

Depends on how many watches, total value to be insured, plus any other jewellery you need to add.

If the watch is below £15,000 add to your home insurance.

In my experience forget about it if you are talking about a PM watch. Or if your total Contents insurance plus watches and jewellery exceeds £75, 000.

TH March are very expensive for PM watches.

Try Hiscox.

my WG Daytona is a nightmare to insure - costs me circa £250 py to insure as its above the limit of a pretty flexible and large policy ( which is crazy as I've other things worth more than the watch that are covered ).... you could try a specialist watch insurer, but IMHO they are really expenive, best thing is to look around and see if you can change your insurer and find someone who will cover within the All Risks Policy. I did in the end and it bumped the premium by that £250 py

+1 for HighWorth - its also who I used a broker

kevlar · 31 July 2019, 11:43 PM

I had mine covered on my house insurance through Tesco, but in the last year both my watches of shot up in value so just moved across to John Lewis as they cover single items up to 15k so all good for another years cover

27 July 2019, 06:05 AM	#1
Madman37 "TRF" Member Join Date: Jan 2019 Location: Uk Posts: 1,039	Watch insurance Rolex Uk Hi has anyone in the UK insured their watch if so can you recommend any places that insure it that are good Thanks

27 July 2019, 10:47 PM	#21
RPB "TRF" Member Join Date: Aug 2009 Location: United Kingdom Watch: V Serial 116710LN Posts: 284	I’ve just moved to Nationwide insurance as I bank with them so mine is covered under that. __________________ 2009 V serial GMT IIc 116710LN (serviced Dec' 2016) Wish list - BLRO; TT GMT.

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27 July 2019, 06:12 AM	#2
nighthawk77 2024 Pledge Member Join Date: Jul 2019 Location: UK Posts: 1,141	I've added watches and jewellery to my house insurance policy. Bumps the price up a couple of quid per month each time I add something new, but 100% worth it for the peace of mind should anything ever happen.

27 July 2019, 06:14 AM	#3
R G Banned Join Date: Feb 2015 Location: Surrey Posts: 1,659	House insurance - listed items within the contents.

27 July 2019, 06:32 AM	#4
Lifeisarolliecoaster "TRF" Member Join Date: Mar 2019 Location: West Midlands, UK Watch: This space Posts: 283	TH March may be worth a look as a separate policy from your home insurance

27 July 2019, 07:10 AM	#6
thesharkfactor "TRF" Member Join Date: Aug 2007 Location: Scotland Watch: GMT Posts: 3,639	I did for a while but it was costing too much extra per month.

27 July 2019, 07:11 AM	#7
Soultime "TRF" Member Join Date: Oct 2016 Location: Cheshire UK Posts: 1,071	Had a thread on this not too long ago if you do a search...

27 July 2019, 07:55 AM	#8
LooseCann0n "TRF" Member Join Date: Jan 2019 Location: London, UK Watch: Daytona,Pepsi,SD4K Posts: 569	Ripe insurance - separate from home building/contents insurance. Sent from my iPhone using Tapatalk

27 July 2019, 08:49 AM	#10
Madman37 "TRF" Member Join Date: Jan 2019 Location: Uk Posts: 1,039	Thanks all does house insurance insure it for theft and damage say if you drop it or something? What about if it’s nicked from you if your out?

27 July 2019, 09:39 AM	#11
ade "TRF" Member Join Date: Dec 2009 Location: England Watch: depends on my mood Posts: 158	Chubb. The best policy there is, bar none.

27 July 2019, 04:52 PM	#13
Zippy+ "TRF" Member Join Date: Apr 2017 Location: On the rocks .. Posts: 400	Lloyd’s house insurance

27 July 2019, 06:11 PM	#14
Rocket launcher Banned Join Date: Aug 2018 Location: England Posts: 989	Ripe insurance.... More expensive than household but full cover Theft Damage Mugging Loss Even your family members can wear your watch and you are covered And it's Worldwide cover With insurance you get what you pay for.. House insurance do houses and contents Ripe do Watches. Piece of mind

27 July 2019, 07:00 PM	#16
Oldwoods "TRF" Member Join Date: May 2018 Location: Scotland Watch: Rolex Hulk Posts: 493	We have them on our home insurance as specified items with accidental cover. The insurance company did insist on a safe being installed when we added the latest one.

27 July 2019, 07:10 PM	#17
mattskybeat "TRF" Member Join Date: May 2016 Real Name: Matt Location: Lytham UK Watch: Sky Dweller Posts: 169	I used to use ripe too but sadly they have a £20k limit on a single item so no good for pm watches any more

27 July 2019, 07:47 PM	#18
MattPegler "TRF" Member Join Date: Jul 2015 Location: United Kingdom Watch: 116000 Blue Dial Posts: 192	My house insurance was very willing to accept my watches as content, though I haven't had to claim yet.

27 July 2019, 08:51 PM	#19
Stevec14 "TRF" Member Join Date: Nov 2016 Real Name: Steve Location: U.K. Watch: 321, Snoopy 3 Posts: 4,470	I use assetsure, they seem very similar to ripe. No issues with them.

27 July 2019, 10:08 PM	#20
deezer23 "TRF" Member Join Date: Jul 2019 Location: UK Posts: 2	Does anyone know how the valuation aspect works (have seen that valuation certificate is needed)? I.e. if you bought from a grey, will the insurance cover the cost of grey purchase or MSRP?

27 July 2019, 11:17 PM	#22
jaySL350 "TRF" Member Join Date: Jul 2016 Real Name: jay Location: North London Watch: BBG,Hulk,16013,DJB Posts: 3,278	I use Asset Sure,,, 3% of the watches retail price to insure,,

31 July 2019, 01:59 AM	#23
Mr.Rolex1 Banned Join Date: Apr 2019 Real Name: Mike Location: San Diego, CA Watch: Submariner Posts: 1,197	Leave it to your butler

31 July 2019, 05:48 AM	#24
Matty99365 "TRF" Member Join Date: Aug 2018 Location: England Watch: 116500LN Posts: 232	I use Highworth Ins. Catlin are the Insurers.

31 July 2019, 11:43 PM	#26
kevlar "TRF" Member Join Date: Aug 2017 Location: UK Posts: 60	I had mine covered on my house insurance through Tesco, but in the last year both my watches of shot up in value so just moved across to John Lewis as they cover single items up to 15k so all good for another years cover

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