What's covered
We offer worldwide cover as standard which means we will repair or replace your items, wherever the incident occurred, up to a maximum of £30,000.
Providing that you are a UK resident, your policy allows you to enjoy peace of mind wherever you are with unlimited international cover on all policies.
Our policy covers loss of items wherever you are, which means that you have fail-safe security and protection should you accidently lose your watch at home, away from the home or out of the country.
In the event of a claim due to theft, partial loss, loss or malicious damage, you must report the incident Police within 24 hours and obtain a Crime Reference and/or log number.
If your watch is stolen during a break-in at home, or whilst being worn by you or an immediate family member outside of the home, our policy gives you the cover you need to replace them.
In the event of a claim due to theft, partial loss, loss or malicious damage, you must report the incident Police within 24 hours and obtain a Crime Reference and/or log number.
We cover accidental damage, home and away as standard. Whether your watch is dropped and smashed or sustain other accidental damage, you can rely on our policy to cover the cost of repair or replacement.
Partially damaged items are also covered for the cost of repair and/or restoration, plus the amount of any depreciation, providing that the cost of this does not exceed the full value of the item.
Keep your watch insured
To ensure your watch is covered by our policy you will need to take the following measures.
- Theft or loss away from home
We can't provide cover against theft or loss away from home unless the item:
Is being worn by you or your immediate family
Is being carried under your close personal custody or control or that of your immediate family
Is deposited in a bank or locked safe
We can't provide cover against theft from your home unless your watch is kept inside the home and any security devices are in operation and there is clear evidence of forcible and violent entry or exit
We cannot provide cover where no evidence of ownership or a watch valuation has been provided
What's not covered
- Loss cover if item not insured with 60 days
If the item you are wanting to insure was purchased/gifted more than 60 days ago, and you have not had it insured in the last 60 days, then loss cover will be excluded. Your policy will still provide cover for theft and accidental damage for all items you have chosen to insure with us
We cannot provide cover against damage caused by wear and tear
We cannot cover against loss or damage to any unmounted gemstones
Any imported item where appropriate UK customs duty has not been paid or where evidence cannot be provided
For more information about what isn’t covered under the terms of our watch insurance, please read our insurance booklet.
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Miss Deborah Cowie
