Watch insure - Optimal protection for your luxury timepiece
An exclusive watch such as a Rolex, Patek Philippe, Breitling or Cartier is more than just an accessory; It is a valuable investment. That is why you want to optimally protect your watch against theft, damage and loss . With a watch insurance from Finass , you are assured of the best coverage, both at home and on the road.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Watch insure - Optimal protection for your luxury timepiece
An exclusive watch such as a Rolex, Patek Philippe, Breitling or Cartier is more than just an accessory; It is a valuable investment. That is why you want to optimally protect your watch against theft, damage and loss . With a watch insurance from Finass , you are assured of the best coverage, both at home and on the road.
Quick start
- Provisional coverage possible
- personal advice
- Response within 1 working day
Why insure your watch?
Standard home contents insurance often doesn't provide sufficient coverage for expensive watches. Specialized watch insurance provides:
✔ Worldwide coverage against damage, loss and theft
✔ Protection outside the home – also during holidays and business trips
✔ Insurance tailored to the actual value of your watch
✔ Full compensation in case of damage or loss (depending on the coverage)
With watch insurance, you don't have to worry about unexpected damage or loss of your valuable possession.
compare valuables insurance with all insurers, so you get the best and most competitive premium valuables insurance
Which watches can you insure?
At Finass Verzekert you can insure various luxury and exclusive watch brands, such as:
⏱ Rolex – Submariner, Daytona, Datejust & more
⏱ Patek Philippe – Nautilus, Calatrava, Aquanaut
⏱ Audemars Piguet – Royal Oak, Offshore
⏱ Breitling – Navitimer, Superocean
⏱ Omega – Speedmaster, Seamaster
⏱ Tag Heuer, Cartier, Hublot & other luxury brands
Whether you have a rare collective object or a high-end watch for daily use, we take care of the right insurance.
What does watch insurance cover?
When choosing the right insurance, it is important to pay attention to the following points:
🔹 Coverage type – National or worldwide?
🔹 Deductible – Is there a co-payment in case of damage?
🔹 Payment in case of damage or loss – Is the replacement value or current value reimbursed?
🔹 Valuation report – Is a valuation of your watch mandatory?
Our experts are happy to help you choose the right cover for your watch.
Why choose Finass insure?
At Finass Verzekert we offer the best protection for your valuable watch:
✔ Tailor-made insurance – tailored to your watch and wishes
✔ Extensive coverage – protection against theft, damage and loss
✔ Competitive premiums – excellent insurance at a fair price
✔ Personal advice – expert help in finding the right coverage
Frequently asked questions about Valuables Insurance :
With home contents insurance you can be sure that your belongings insured against damage in the event of fire or theft. However, if you have a lot of valuable items, regular home contents insurance not enough. You will then only be reimbursed for part of the value of your belongings. So if you have a lot of antiques, jewelry, art objects or musical instruments, it is smart to take out valuables insurance
Insure your musical instrument, antique paintings or rare watch ? With Valuables Insurance , your precious belongings are well insured against damage and theft. Indoor. Outdoors. Anywhere in the world. You take out insurance per individual item. So per instrument, per painting or piece of jewelry.
Nowadays you can insurance for almost everything . This is also the case with a watch. A watch can often be an expensive purchase, especially if we are talking about a Rolex watch. You can have it (partially) insured against, for example, theft, damage or loss.
By valuables we mean different types of things. Valuables include antiques, art, high-value collections, expensive jewelry, musical instruments or expensive computers & electronics.
With us, your valuables are immediately insured worldwide. Except for art and antiques, which are only insured at your home address and indoors.
Most of your belongings in your home are covered by your home contents insurance. But not all your stuff. As an enthusiast, perhaps you have a nice collection of watches, guitars or jewelry. Or do you own paintings, art, antiques or other valuable things? Then additional valuables insurance is useful. But you don't have to be a collector to benefit from additional valuables insurance. Necklace, camera or watch: you can also enjoy the benefits of additional valuables insurance with your 'normal' valuables. Because you don't just use many of your valuables indoors: you also take them out sometimes.
Request a quote immediately!
Frequently Asked Questions – Watch Insurance
Which insurance suits my watch?
Usually, valuables insurance (separate or as an extension of home contents) with worldwide coverage . For more expensive watches, we recommend a separate policy with specific limits and prevention requirements.
What is covered as standard?
Theft, including burglary, robbery , and sudden damage . Loss, disappearance, or mysterious disappearance is often excluded or only covered with an additional clause.
Is my watch insured outside the home and while traveling?
With a valuables policy, coverage is usually worldwide , including travel and vacations. Check the maximum payout per event and any country/region clauses .
Do I need a valuation report?
For higher values or vintage/limited items, a recent appraisal report (often ≤ 2–3 years old) is required. For newer models, the purchase receipt ; reappraise if the value increases.
Is increase in value included?
Some policies offer indexation or coverage up to a percentage above the insured amount . For scarce issues, periodic revaluation important.
What prevention requirements apply at home and on the road?
At home: proper locks and sometimes a (certified) safe above a certain value. On the road: wear discretion, don't leave watches unattended, and avoid leaving them in the car (usually excluded ).
Is damage from water or sports covered?
Only according to the watch's water resistance (WR) Shock/drop damage and sports use may be limited or excluded; check the clauses.
Am I insured if I lend the watch?
Not always. Lending to third parties is often excluded or only covered for co-users listed on the policy.
How is damage handled: repair or payment?
Many insurers work with certified jewelers/watchmakers . In the event of total loss or theft, compensation (current value/insured value) or replacement through a supplier often follows.
Is theft from the car covered?
Often excluded . Only sometimes covered if the luggage compartment is unlocked , is short-lived , and the break-in is demonstrable . Advice: don't take a watch loose in the car.
Has this already been covered by my home contents insurance?
Home contents insurance usually offers a low limit outside the home and no worldwide comprehensive coverage. For expensive watches, a separate valuables more appropriate.
What information do you need for a quote?
Brand/model and reference , serial number , year of purchase/price or valuation , photos , storage method (safe), use (daily/occasional), number of watches and travel destination(s).
Please note: exact coverage, limits, and prevention requirements vary by insurer. We compare and provide personalized .
