Your Luxury Watch Optimally Protected
An exclusive watch like one rolex, Patek Philippe, Audemars Piguet or Omega is more than an accessory – it is a valuable investment. That is why your watch deserves optimal protection against theft, robbery, loss and damage.
But is your watch properly insured? A standard home contents insurance often covers jewelry and watches up to a maximum €2,500-€10,000 and offers No coverage outside the home. For luxury watches with higher values, valuables insurance is essential.
At Finass Verzekert we compare watch insurance policies from 30+ insurers: including worldwide coverage, theft away from home and increase in value.
Which Watch Brands Can You Insure?
All luxury and exclusive watch brands can be insured:
rolex
Submariner, Daytona, GMT
Patek Philippe
Nautilus, Calatrava, Aquanaut
Audemars Piguet
Royal Oak, orfshore
Omega
Speedmaster, Seamaster
Breitling
Navitimer, Superocean
cartier
Tank, Santos, Ballon Bleu
IWC
Portugieser, Pilot's Watch
Hublot
Big Bang, Classic Fusion
Popular Models
Home contents insurance vs. Watch insurance
❌ Standard Home Contents Insurance
- ✕ Jewelry max. €2,500-€10,000
- ✕ No coverage outside the home
- ✕ No worldwide coverage
- ✕ No increase in value assured
- ✕ Current value benefit
✓ Valuables insurance
- ✓ Higher limits (€25,000-€100,000+)
- ✓ Fully covered outdoors
- ✓ Worldwide coverage 24/7
- ✓ Increase in value also insured
- ✓ Appraised value guaranteed
What is your watch insured against?
Theft & Burglary
At home, outdoors, out of the car
Robbery & Robbery
On the street, traveling
Damage & Breakage
Fall, impact, water damage
Repair costs
Recognized watchmakers
World coverage
Traveling & vacationing
Value increase
Appraised value insured
💰 Premium indication Watch Insurance
The premium is approx 0.5% to 1.5% of the insured value per year:
| watch | Value | Premium/year |
|---|---|---|
| Omega Speedmaster | €6,000 | €30 - €90 |
| rolex Submariner | €10,000 | €50 - €150 |
| rolex Daytona | €25,000 | €125 - €375 |
| Patek Nautilus | €50,000 | €250 - €750 |
| AP Royal Oak | €35,000 | €175 - €525 |
📈 Watches as an Investment
Luxury watches can increase significantly in value. With good insurance, the increase in value is also covered.
📋 Appraisal & Valuation
For watches above €5,000-€10,000, an appraisal is required recognized appraiser recommended:
- → New watches: purchase invoice is often sufficient
- → Vintage/rare: valuation report required (≤2-3 years old)
- → Value increase: reappraisal in the event of a significant price increase
- → Factors: model, age, condition, originality (box & papers)
- → Full set: box + papers increases the value considerably
💡 Tips for Watch Collectors
- ✓ Save purchase notes & certificates – essential for claims
- ✓ Take photos of serial number – on case and certificate
- ✓ Storage box & papers (full set) – increases value 20-30%
- ✓ Use a certified safe – sometimes required by insurer
- ✓ Have it revalued regularly – especially when there is an increase in value
- ✓ Report travel in advance – check country clauses in the policy
