Rolex Insurance: How do you protect your valuable assets?

A Rolex watch is not only a luxury accessory, but also a valuable investment. Whether you have a classic Rolex Submariner , an exclusive Daytona or a vintage model, the value of these watches continues to rise. But what if your Rolex is stolen, will be damaged or lost? With the right valuables insurance you can optimally protect your Rolex. In this blog we discuss why and how to insure a Rolex and what to look out for when choosing the right coverage.

1. Why insure a Rolex?

A Rolex is not just a watch; It is a luxury piece of jewelry with a often considerable market value. Many people do not realize that standard household insurance often does not provide enough coverage for expensive jewelry and watches. These are the greatest risks for Rolex owners:

✔ Theft -Rolex watches are wanted objects for burglars and street robbers.
✔ Loss - A moment of inattention and your Rolex has disappeared.
✔ Damage - scratches, bumps or water damage can greatly reduce the value of your Rolex.
✔ Disappointment abroad - foreign travel insurance often do not cover luxury watches.

With an exclusive valuable insurance policy, your Rolex is insured worldwide against these risks.

2. How does a Rolex insurance work?

A Rolex can be insured in various ways:

OPTION 1: Contents insurance with valuables coverage

Some household insurance offers additional coverage for jewelry and watches . But beware:

• Often there is a maximum coverage per item , usually between € 2,500 and € 5,000 .
• Theft outside the house is often not insured.

Option 2: A separate valuable insurance policy

For Rolex watches with a high value (from € 5,000 to € 100,000 or more), special valuables insurance the best choice.

Advantages:
✅ Full coverage against theft, loss and damage.
✅ Worldwide coverage , also during travel.
✅ High insured value , tailored to the current market price.

Do you have several luxury watches or jewelry? Then you can often insure this under one exclusive valuable insurance .

3. What should you pay attention to with a Rolex insurance?

Not every insurance offers the same coverage. Note these important points:

✔ Appraisal and valuation

Many insurers demand a recent appraisal report or proof of purchase to determine the value of your Rolex. Make sure your watch is periodically recalvened , because the prices of Rolex watches often rise.

✔ coverage area (the Netherlands or worldwide?)

Do you often travel with your Rolex? Then choose insurance that global coverage .

✔ Own risk and premium

The premium depends on:

• The value of your Rolex (on average 1-2% of the value per year).
• Where and how you keep the watch (a safe can yield premium advantage).

Request a quote from Finass insure for a customized insurance solution.

4. Frequently asked questions about Rolex insure

💬 Is my Rolex insured when I wear it?
Yes, with a separate valuables insurance your Rolex is insured, even if you wear it outdoors .

💬 Is a Rolex insured when traveling?
Not always. A standard travel insurance often offers no coverage for luxury watches. A valuable insurance policy with global coverage offers a solution.

💬 Do I have to keep my Rolex in a safe?
Some insurers set this as a condition or offer a premium discount if you use a certified safe.

5. How do you take out Rolex insurance?

Do you want to optimally insure your Rolex? Follow these steps:

1️⃣ Have your Rolex valued - a current appraisal report is essential.
2️⃣ Choose the correct coverage - determine whether you only want to insure damage and theft or loss.
3️⃣ Request a quote from Finass insure - our specialists are happy to help you find the best coverage.
4️⃣ Take out the insurance and enjoy your Rolex carefree!

Conclusion: Protect your Rolex with the right insurance

a Rolex is essential if you want to optimally protect your luxury watch against theft, loss and damage . A valuable insurance policy offers the best coverage, both at home and on the road.

💎 Do you want to properly insure your Rolex? Request a quote from Finass insures and discover the best insurance for your valuable watch!