Enjoy peace of mind with high-end watch insurance through Ripe
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Why choose Ripe for watch insurance?
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Spread the cost with monthly repayments
Pay in a way that suits you with a monthly repayment option available, so you can protect your watch without a large upfront cost.
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Cover that protects your watch at home and away
Your watch is protected as standard wherever you wear it, whether you are at home, travelling or out and about. *Terms apply.
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Multi-item cover with a 10% saving
Got more than one watch? Insure more than one item on a single policy and save 10%.
Specialist watch insurance for luxury and high-end watches
A watch is something you wear every day. It might mark milestones, reflect your style, or hold sentimental value beyond its cost.
From daily wear to travel and special occasions, watches can be exposed to knocks, loss or theft.
Watch insurance by Ripe is designed around modern life. It helps financially protect luxury, high-end and smart watches, whether you are at home, out and about or abroad.
What does watch insurance cover?
Accidental damage
Theft
Loss
Worldwide cover*
*Cover up to £20k per item, with a total combined value of £30k if you’re insuring more than one item.
Loss of your watch if it was purchased or gifted more than 60 days ago and you have not had it insured in that time
Wear and tear
Unmounted gemstones
Imported items where appropriate UK customs duty has not been paid or where evidence cannot be provided
For the complete information on what is and isn’t covered, please visit our Important Documents page.
Why should I consider watch insurance?
Buying a watch can be an exciting experience, from browsing different brands, materials and styles to measuring your size and trying models on in person.
If you’ve recently purchased or been gifted a watch, you’ve probably considered insuring it. Luxury watches can be eye-catching, difficult to trace, and easy to sell secondhand, which also sadly makes them highly desirable to thieves.
This risk of theft, plus the likely high cost of repairing or replacing your watch if it is lost or damaged, is why you might want to consider specialist high-end watch insurance.
Meet our watch insurance expert
“In 2025, 30% of claims through Ripe Valuables Insurance were caused by accidental damage. To protect your watch, remove it from your wrist during activities where it may be at greater risk of damage, such as travel, sports, or other physical activities. If you’re away from home, you must wear it, store it securely in a locked safe, or keep it in your close personal custody for your insurance to be valid.”
Sean Carney
Chief Underwriting Officer
What types of watches can I insure?
You can get cover for a wide range of watches through Ripe.
Whether brand new, pre-owned or vintage, you can insure watches from brands including:
Rolex
Bvlagri
Breitling
Patek Philippe
Jaeger-LeCoultre
Cartier
IWC
TAG Heuer
How to insure a Rolex with Rolex watch insurance?
As Rolex watches are such a significant investment, you’ll want to make sure you have a receipt or proof of purchase, or an up-to-date appraisal within the last three years from a NAJ-registered valuer, to ensure your watch is insured for the right value.
It’s also good practice to note the serial number and take several photos of the watch, as this may help you in the future if it's lost or stolen and you need to file a police report to support a claim.
Then, all you need to do to get insured through Ripe is head to our online quote page, fill in your personal details, and provide some information about your watch to get insured today.
Watch collection insurance
We know that luxury watches can be somewhat of a collector's item for some people. If that's you, watch collection insurance through Ripe can help protect your watches up to a combined maximum value of £30k.
As long as each watch is worth a minimum of £1k (maximum £20k), you can add as many watches to your policy as you like—perfect if you've got multiple makes and models.
Watch Insurance FAQs
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The cost to insure a watch depends on several factors, such as the value of the watch itself. The quickest and easiest way to find out how much your cover could cost is to get a quote online through Ripe.
As part of the quote process, you’ll be asked for information about your watch to help us determine the cost of your cover.
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While many home insurance policies can include contents cover for items like watches you may keep at home, these policies may not include cover for your watches when worn outside the home.
Some home insurers may exclude away-from-home cover completely, while others may charge you an additional premium for it. That’s why specialist watch insurance may be something to consider if you like to wear your watch out and about.
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If you need to make a claim, contact our dedicated claims team at Davies Group as soon as you can. You can make a claim online through Davies’ E-Claims portal.
More information can also be found on our How to Claim page.
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Yes, watch collection insurance through Ripe means you can cover any number of watches on your policy, as long as each one is worth a minimum of £1k and a maximum of £20k, and the total combined value of all watches does not exceed £30k.
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Yes, smartwatch insurance is available through Ripe. You can insure your smartwatch today by getting a quick online quote.
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Yes, theft is covered under watch insurance, provided you meet the following requirements:
Theft or loss away from home won't be covered unless:
it is being worn by you or your immediate family
it is being carried under your close personal custody or control, or that of your immediate family
Theft at home won't be covered unless:
there are security devices in operation
there is clear evidence of forcible or violent entry or exit
it is kept in a locked safe
Evidence of ownership: your watch won't be covered if you can't provide evidence of ownership such as the original purchase or till receipt, or a watch valuation
You can find further information on the requirements and exclusions on our Important Documents.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: February 2026
Content reviewed by: Sean Carney