Insure your watch
A luxury watch such as a Rolex, Patek Philippe, Breitling or Cartier is more than an accessory. With a specialized one watch insurance through valuables insurance protect your watch against theft, damage and loss — thuis, onderweg and wereldwijd.
Quick start
- Provisional coverage is often possible
- Insurance based on purchase invoice or valuation report
- Response within 1 working day
Why insure your watch separately?
Contents often do not cover enough
A standard home contents insurance usually has a limited maximum for jewelry and watches and offers little coverage outside the home.
Customized valuables insurance
Your watch is insured as a separate valuable object, at its actual value and with ample coverage for theft, damage and loss.
Worldwide protection
With the right coverage, your watch is also insured on holiday, city trip or business trip (according to policy conditions).
Which coverage do you choose for your watch?
Valuables insurance (recommended)
All-risk coverage for your watch against theft, damage and loss, often worldwide. You insure per watch or collection.
Contents with extra valuables cover
For less expensive watches, an extension to the contents may suffice, but with lower maximums and more limited outdoor coverage.
Collection of watches
Multiple luxury watches in one policy, each with its own value, ideal for collectors.
Diefstal, schade & verlies
Dekking bij inbraak, straatroof, ongelukjes (vallen, stoten) and — waar meeverzekerd — verlies of zoekraken.
Taxatie & waardebehoud
Insuring on appraised value helps prevent underinsurance, especially with rising market prices of exclusive watches.
What determines the premium of your watch insurance?
Insured value
The premium is usually a percentage of the insured value. The higher the purchase or appraisal value, the higher the premium.
Gebruik & draagfrequentie
Do you wear the watch every day or only on special occasions? This affects the risk and therefore the premium.
Storage location (safe)
Storage in an approved safe may sometimes be mandatory above a certain value and often provides premium benefits.
Own risk
A higher deductible usually lowers the premium. Together we will look at which choice suits you.
Number of watches
A complete watch collection in one policy can be more efficient and sometimes provide package benefits.
Curious about what your watch insurance costs? Request a tailor-made proposal.
Which watches can you insure?
Exclusive brands
Including Rolex, Patek Philippe, Audemars Piguet, Breitling, Omega, Cartier, Hublot, IWC and more.
Vintage & limited editions
Rare vintage models and limited editions are insured at their appraised value, with attention to increases in value.
Collecties & erfstukken
Heirlooms and complete collections can also be insured under an exclusive valuables insurance policy.
At home, on the road and insured worldwide
Worldwide coverage
With the right valuables insurance, your watch is insured worldwide, except for any specifically excluded countries or situations.
Diefstal & reisgebruik
Pay attention to conditions in the event of theft from a car or hotel room. Always report it immediately to the police and inform the insurer.
Preventie & kluis
Approved locks and possibly a certified safe are important for acceptance and can influence your premium.
Frequently asked questions about watch insurance
Is my watch included in my home contents insurance?
Partly. There is often a maximum for jewelry and watches and coverage outside the home is limited. Separate valuables insurance is usually more sensible for expensive watches.
Do I always need a valuation report?
For new watches, a purchase invoice is often sufficient. For higher values, vintage or limited editions, a recent appraisal report is usually requested.
Am I insured worldwide with my watch?
With good valuables insurance, usually yes, with the exception of certain excluded areas or situations. The exact coverage is stated in the policy conditions.
Does the insurance also cover loss or only theft?
This varies per insurer. Some policies also cover loss or misplacement, others only cover theft and damage. We help you choose the coverage that suits you.
Can I insure multiple watches in one policy?
Yes. You can bundle multiple watches and other valuables into one valuables insurance policy, each with its own insured value.
What does Finass Verzekert need for a quote?
Bijvoorbeeld merk en type, referentienummer, aankoopdatum en -prijs of taxatie, foto's, hoe en waar je het Watch bewaart (bijv. kluis) en of je het dagelijks of af en toe draagt.
Want to insure your watch? Request a customized quote
Finass Verzekert compares valuables insurance policies from multiple providers and searches for the best combination of coverage and premium for your watch or watch collection.
