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- Loss through a clasp that comes undone while travelling
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- Impact damage to the case, bezel and crystal from a drop or knock
Insuring an Omega
In value, an Omega often sits right on the jewellery limit of a contents policy; whether you need separate valuables insurance depends on the model and how you use it.
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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
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
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
In 2025 a new Omega Speedmaster Moonwatch costs around € 5,700 at Dutch jewellers with Hesalite crystal and around € 7,150 with sapphire crystal; a Seamaster Diver 300M or Aqua Terra is in the same range. That means a single Omega often falls just inside or just outside the jewellery limit of a contents insurance policy (inboedelverzekering), which at many insurers is around € 5,000. Unlike a Rolex, whose value almost always exceeds that limit, the first question with an Omega is therefore whether an extension of your contents policy is enough or whether you need a separate valuables policy (kostbaarhedenverzekering).
That limit is not a technicality. In 2025 Kifid, the Dutch financial services complaints institute, ruled on a burglary in which more than € 30,000 worth of jewellery was stolen: the insurer was entitled to apply the jewellery limit of € 5,000 because the jewellery was not kept in a safe. If you own several watches or a vintage Speedmaster, a standard policy quickly falls short.
Vintage Omegas have risen sharply in value in recent years. References such as the Speedmaster 105.003 'Ed White' and the 145.022-69 doubled in price between early 2022 and early 2025. A purchase receipt from years ago then says nothing about the insured value. We assess per watch whether an extension of your contents cover or a valuables policy with a valuation is the right fit.
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Omega: what is covered?
With an Omega, the value of each watch determines whether a contents extension is enough or whether you need a separate valuables policy.
Valuation
A valuation records model, reference number, serial number and originality, and determines the payout after theft or loss.
- New Omega: a purchase receipt with serial number is often sufficient
- Vintage Speedmaster: a report from a recognised valuer
- Revaluation after a clear rise in the market
Clauses
Clauses set the conditions under which cover applies: a safe above a threshold, direct supervision away from home, a police report after theft.
- Safe requirement for higher amounts, at some insurers from € 50,000
- Never leave the watch unattended in a hotel room or changing room
- Police report and notification within the stated period
What is covered
| Situation | Valuables | Home contents |
|---|---|---|
| Omega 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?
- Valued amount per watch. The basis for the premium. For a collection it is the sum of the individual values.
- Number of items insured. Several watches on one policy are rated differently from a single item.
- How often it is worn. A sports watch worn daily carries more impact and water risk than an occasion piece.
- Security at home. The safe rating and burglary security determine the conditions for the watches you are not wearing.
- Area of cover. The Netherlands, Europe or worldwide. If you travel a lot, the widest variant is relevant.
- Excess. For watches in the lower price range, the excess determines whether a claim is still worthwhile.
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.
9.5New policy
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 a claim on an Omega is paid and for what amount.
One Omega or a collection
For a single Speedmaster or Seamaster worth € 5,000 to € 7,500, raising the jewellery limit on your contents insurance may be enough. Some insurers offer this up to € 15,000 for watches outside the home or up to € 35,000 with a safe, usually only within the Netherlands and with a purchase receipt and serial number provided in advance. If you have two or three Omegas, a gold Constellation or a vintage piece, you will exceed those limits, and a valuables policy with worldwide cover per item is the logical step. We calculate both options for you.
Vintage Speedmaster: value and proof
Vintage Speedmasters from the 1960s and 1970s doubled in value between 2022 and 2025; an 'Ed White' 105.003 now trades for tens of thousands of euros. The value depends on the original dial, hands, bezel and calibre, and on the box and papers. A valuer records these details with photographs and can request an extract from the Omega archives, which confirms the production date and original specification. Without such proof, the insurer will at most replace the watch with a comparable one after theft, not pay the collector's value.
A safe as a condition
Insurers link higher sums insured to a safe. Hienfeld requires a safe for jewellery above € 50,000 under its exclusive home package; under standard policies the threshold is lower and the safe must be anchored to the floor or wall. The 2025 Kifid case shows how this plays out: jewellery kept outside the safe was reimbursed up to € 5,000 instead of the valued € 40,000. If you keep your Omegas in a watch box on a shelf, check what your policy says about this before something goes wrong.
Servicing and water resistance
Omega recommends a full service every five to eight years and gives a 24-month warranty on it. A Seamaster whose gaskets have never been replaced is no longer water-resistant after some years. If the movement then floods while you are swimming, the insurer may reject the claim as the result of overdue maintenance, because wear and inherent defects are excluded. Keep your service receipts with the valuation report. They also prove that the movement is original, which directly affects the value of a vintage model.
Wearing, sport and travel
A Speedmaster is worn every day and a Seamaster goes into the water. That is exactly where things happen: a clasp that comes undone while sailing, a watch left behind in a changing room, a robbery on a city break. A contents policy rarely covers loss away from home and almost never covers theft outside the Netherlands. A valuables policy covers this worldwide, but expects you to be wearing the watch or to have it under direct supervision. An Omega left unattended on a beach towel falls outside the cover at most insurers.
Revaluation and indexation
The Omega market moves faster than the policy. Limited-edition Speedmasters and early Seamaster references rose by up to 100 per cent in three years; common modern models hover around the retail price. Most valuables policies do not index automatically. Have a vintage or limited-edition Omega revalued every three to five years and pass on the new value. If the value falls, the premium can come down. We keep track of the valuation date and remind you when a revaluation is advisable.
Frequently asked questions
Questions Omega owners ask us.
Is my Omega covered by my contents insurance?
At home, yes, up to the jewellery limit of your policy, which at many insurers is around € 5,000 for theft. A modern Speedmaster or Seamaster costing € 5,700 to € 7,150 new sits just above that. Some insurers offer an extension up to € 15,000 or € 35,000, usually with a safe requirement and only within the Netherlands. Away from home and when travelling, a valuables policy is the better solution.
Do I need a valuation report for my Omega?
For a recently purchased watch, the purchase receipt with serial number and warranty card is usually sufficient. For a vintage Speedmaster, a limited edition or a watch without papers, a valuation report is needed, because the value depends on originality and condition. An extract from the Omega archives substantiates the year of production and specification. Without a report, you will be arguing about the value after a theft.
What does it cost to insure an Omega?
As an indication, valuables insurers charge roughly 1 to 2 per cent of the insured value per year, so for a € 7,000 Speedmaster often between € 70 and € 140 a year. An extension of your contents policy is cheaper but covers less. The premium depends on a safe, where you live, the territorial cover and whether you include loss.
Is my Omega covered if I lose it on holiday?
With an all-risks valuables policy, yes, worldwide, including loss through a faulty clasp. Through contents insurance, generally not: loss is not an insured event there and theft outside the Netherlands is often excluded. In the event of theft, report it to the local police and notify us of the claim immediately, with the serial number, photographs and the police report.
Every situation is different. For these situations we have a separate page.
- Compare valuables insuranceThe main page
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- Insuring a musical instrumentStage, transport, professional use
- Insuring a ringLoss, valuation, away from home
Read more
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Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
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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.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
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.