All risks worldwide
- Loss of a Love bracelet or a Tank from the wrist, with no signs of forced entry
- Theft from a hotel room or in a robbery, also outside Europe
- Broken glass and loosened stones with no excess on many policies
Insuring a Cartier
Cartier raised its prices in April 2023, April 2025 and early 2026; a sum insured set three years ago often no longer covers a new Tank or Love bracelet.
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
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In brief
When you insure a Cartier, you are insuring a price that moves. The brand raised its list prices by five to fifteen per cent in April 2023, by three to five per cent in April 2025 and again by around six per cent on average in early 2026, driven by the gold price and costs at parent company Richemont. A steel Tank Must starts at around € 3,000, a steel Santos sits at around € 7,000 to € 8,000, a gold Love bracelet not far off that, and a gold Panthère set with stones runs into the tens of thousands of euros. With the sum insured from three years ago, you will not be able to buy the piece back today.
Insurers know this and set requirements for the supporting evidence. A specialist valuables insurance (kostbaarhedenverzekering) accepts purchase receipts and valuation reports that are no more than three years old, and offers automatic cover for newly acquired pieces of, for example, twenty per cent of the sum insured for sixty days. A Cartier you buy while travelling is therefore covered temporarily, but must be added to the policy within that period.
Unlike our page on Cartier jewellery and watches, which deals with valuing settings and design, this page is about the amount and the proof: how to keep the sum insured up to date, what vintage pieces do at auction and which clauses determine whether a loss on the beach or in a hotel is paid. We arrange valuation and cover for Cartier with several insurers.
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Cartier: what is covered?
The choice of cover for a Cartier follows from the value per piece, the age of the supporting evidence and whether you wear the piece every day or take it with you when travelling.
Valuation
For Cartier pieces above a threshold, insurers require a purchase receipt or valuation report that is no more than three years old.
- Report stating reference, serial number, precious metal and stones
- Revaluation after every Cartier price round, or at least every three years
- Newly purchased piece often covered automatically for sixty days
Clauses
Clauses determine where and how your Cartier is covered and what is expected of you when storing and wearing it.
- Safe clause for pieces you do not wear every day
- Transport covered only in a locked vehicle, out of sight, with forced entry
- Leaving items unattended on the beach, in a changing room or car excluded
What is covered
| Situation | Valuables | Home contents |
|---|---|---|
| A Cartier lost on holiday | Yes | No |
| Stolen from the wrist in the street | Yes | No |
| Theft at home during a burglary | Yes | Sometimes |
| Damage through your own doing | Yes | No |
| Not in the safe when it should have been | No | No |
| Wear and loss of value | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Agreed value. The basis for the premium. On precious metal versions it moves with the value of the material.
- Share of precious metal and stones. Gem-set versions have a pattern of claims of their own and are assessed differently from a steel case.
- Use as jewellery. Wearing it to occasions and while travelling gives a different pattern of exposure from daily wear.
- Security at home. Safe grade and burglary protection determine whether the safe clause is workable in your situation.
- Area of cover. If you take it abroad, worldwide cover including stays in hotels becomes relevant.
- Excess. With partial damage such as stone loss, the excess determines whether claiming is worthwhile at all.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Six points that determine whether the sum insured for your Cartier is right at the moment you need it.
Price rounds and the sum insured
Cartier adjusts its prices almost every year: five to fifteen per cent in April 2023, three to five per cent in April 2025 and around six per cent on average in early 2026, with peaks above six per cent for gold Panthère models. Three rounds in a row can easily make a piece fifteen to twenty-five per cent more expensive than the sum insured in 2022. The insurer pays at most what is on the policy. After every price round, check the current list price of your reference and adjust the amount; some valuables policies apply indexation, but rarely at the pace of the brand.
Supporting evidence no more than three years old
A valuables insurance asks for a specification per piece with a purchase receipt or valuation report, and specialist providers accept these only if they are no more than three years old. For a recently purchased Tank, the boutique receipt is enough; for an inherited Trinity or a second-hand Santos you need a report from a registered valuer stating the reference and serial number, gold content, weight and the colour and clarity of any diamonds. Without up-to-date evidence, the insurer pays the value it determines itself in the event of a claim, and you have that discussion after the loss instead of before it.
Newly bought, not yet declared
If you buy a Cartier in a boutique in Paris or at Schiphol, the piece is not yet listed on your policy. Many valuables policies temporarily cover newly acquired pieces automatically, for example up to twenty per cent of the total sum insured for sixty days. On a € 25,000 policy that is € 5,000: too little for a gold Santos or a Love bracelet with diamonds. Report a purchase straight away, with the receipt, so that the piece counts for its full amount from day one and you do not depend on the temporary arrangement.
Vintage Cartier and the auction market
There is no longer a list price for a Tank Cintrée, a Baignoire or a London Crash; their value follows the auction market. In April 2026 in Hong Kong, Sotheby's sold a 1987 London Crash for the equivalent of almost two million dollars, after a previous record of 1.65 million dollars in 2022, and at the same auction a 1973 Baignoire and a 1967 Tank Normale set records. Less rare Tank Louis models from the 1990s have also risen in price. Insure a vintage Cartier on an agreed valuation by a specialist with auction references, and have that valuation renewed every three years.
Wearing it while travelling and outside Europe
A valuables insurance for jewellery and watches worn on the body usually applies worldwide, inside and outside the home, and that is the difference from contents insurance (inboedelverzekering), which is limited away from home and abroad. Conditions do apply to transport, however: in a car, cover exists only if the vehicle was locked, the items were not visible and there are signs of forced entry. A Tank in the glove compartment of a hire car without forced entry is therefore not covered, whereas a Love bracelet you put in the hotel safe is. Read the transport and storage clause before you leave.
Proof of ownership and authenticity
Cartier is one of the most counterfeited brands, and when you claim after a loss or theft you must show that the piece was genuine and yours. The purchase receipt from a boutique or authorised dealer, the warranty card with serial number, photos of the engraving and of the piece being worn, and the valuation report together form that proof. For an inherited or second-hand piece, have the authenticity established by Cartier or a specialist valuer. Keep the file digitally and separate from the safe; a burglar often takes the box with the papers too.
Frequently asked questions
Questions Cartier owners ask us about the sum insured and the cover.
How often should I have my Cartier revalued?
Specialist valuables insurers accept purchase receipts and valuation reports that are no more than three years old. Because Cartier raised its prices in April 2023, April 2025 and early 2026, three years is also the limit in substance: after that, the sum insured can easily be fifteen to twenty-five per cent below the new list price. For current models, checking the latest boutique price in between is enough; vintage pieces need a new valuation with auction references.
How much does it cost to insure a Cartier?
The premium for a valuables insurance is a percentage of the sum insured and depends on the value per piece, whether you wear it every day, the safe and where you live. As an indication, the annual premium for jewellery and watches is between one and two per cent of the sum insured: for a Santos and a Love bracelet worth € 15,000 together, that is, as an indication, € 150 to € 300 a year, often with no excess. Pieces kept in a safe are cheaper than pieces worn daily.
Is a Cartier I buy on holiday insured straight away?
Often temporarily. Many valuables policies automatically cover newly acquired pieces up to a percentage of the sum insured, for example twenty per cent for sixty days. On a € 25,000 policy that is € 5,000, which is not enough for a gold model. So report the purchase to us straight away with the boutique receipt; the piece will then be on the policy for its full amount within the period and the cover applies worldwide.
Isn't my Cartier covered by my contents insurance?
Only to a limited extent. Contents insurance applies a maximum for jewellery and watches, often between € 2,500 and € 10,000 for all items together, and usually does not cover loss without theft. Away from home and abroad, cover is small or absent. A Cartier worth several thousand euros or more that you wear and take with you when travelling therefore belongs on a valuables insurance with its own amount per piece, all-risks cover and supporting evidence that is no more than three years old.
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About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.