Insurance

[lukeevo]

Hi All

Got the long-awaited call today for a Datejust 41 Fluted bezel on an oyster bracelet with a black dial.

The problem I have is that I'm 20 and some of the companies I have found require you to be 26 years old.

Looking for some advice on insurance in the UK and which companies you use?

Thanks in advanced

[dnd2984]

must be a UK thing. Does Hodinkee write policies in UK?

[dnpina]

Is that dilemma actually stopping you from buying the watch?

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[Cigars&Watches]

Firstly, congrats on the watch. Secondly, your home owners insurance should have built in Coverage for some jewellery. Mine was $20k. Anything above that I had to pay a premium. Check with your insurance company first

[lukeevo]

Originally Posted by dnpina

Is that dilemma actually stopping you from buying the watch?

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No it's not stopping me. Im collecting the watch on Monday from my AD

[lukeevo]

Originally Posted by Cigars&Watches

Firstly, congrats on the watch. Secondly, your home owners insurance should have built in Coverage for some jewellery. Mine was $20k. Anything above that I had to pay a premium. Check with your insurance company first

Ahh, I completely forgot about the house insurance I will give them a ring in the morning. Thankyou

[Cigars&Watches]

Originally Posted by lukeevo

Ahh, I completely forgot about the house insurance I will give them a ring in the morning. Thankyou

[28mm]

Originally Posted by Cigars&Watches

Firstly, congrats on the watch. Secondly, your home owners insurance should have built in Coverage for some jewellery. Mine was $20k. Anything above that I had to pay a premium. Check with your insurance company first

Does that policy have a maximum limit per piece or can it be $20K..Mine was limited so i got a rider and listed each item with agreed upon replacement value.

[Cigars&Watches]

Originally Posted by 28mm

Does that policy have a maximum limit per piece or can it be $20K..Mine was limited so i got a rider and listed each item with agreed upon replacement value.

That’s a great point. I’m pretty sure it was 20k without a limit to any one piece. When I got my second watch I upped my insurance to 50k and again pretty sure it was not limited to any one piece.

I will definitely call to double check.

Note OP: ask your insurance company the same questions. That is, you may have 20k insurance for jewellery but they may only cover you for 5 k for a watch, 5 k for rings, 5 k for bracelets, etc

Also, things may be different here in Canada then the UK.

good luck


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[lukeevo]

Originally Posted by Cigars&Watches

That’s a great point. I’m pretty sure it was 20k without a limit to any one piece. When I got my second watch I upped my insurance to 50k and again pretty sure it was not limited to any one piece.

I will definitely call to double check.

Note OP: ask your insurance company the same questions. That is, you may have 20k insurance for jewellery but they may only cover you for 5 k for a watch, 5 k for rings, 5 k for bracelets, etc

Also, things may be different here in Canada then the UK.

good luck




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Just spoke to them, Costing me £24 a year for to have it as a named item on my house insurance. Covers me for everything other than putting it through the washing machine :)

[Robf52]

Great achievement and great timepiece. Congrats.

[lukeevo]

Originally Posted by Robf52

Great achievement and great timepiece. Congrats.

Thankyou

[Cigars&Watches]

Originally Posted by lukeevo

Just spoke to them, Costing me £24 a year for to have it as a named item on my house insurance. Covers me for everything other than putting it through the washing machine :)

Awesome. Sounds like a good deal.


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