Watch insurance

[maxf]

A few of us here have some relatively expensive watches or even watch collections. How many of you have problems when it comes to house contents insurance?

I'm renewing my cover at the moment and, after buying a couple of watches over the last couple of months, I'm struggling to find an insurer who will cover them - especially as an 'outside the house' risk (and I don't have any single item which is out of the range of relative normality - but cumulativly they mount up).

What to you guys do? Is their a specialist who you can top up your normal home cover with?

[grumbledoak]

I looked last year when I bought the current watch, but it seemed astonishingly expensive to get real cover. Currently un-insured.

[bermyandy]

maxf said:

A few of us here have some relatively expensive watches or even watch collections. How many of you have problems when it comes to house contents insurance?

I'm renewing my cover at the moment and, after buying a couple of watches over the last couple of months, I'm struggling to find an insurer who will cover them - especially as an 'outside the house' risk (and I don't have any single item which is out of the range of relative normality - but cumulativly they mount up).

What to you guys do? Is their a specialist who you can top up your normal home cover with?

In terms of outside the house risk, surely this is limited solely to the most expensive watch owned? Assuming you only wear one at a time?

[maxf]

bermyandy said:

maxf said:

A few of us here have some relatively expensive watches or even watch collections. How many of you have problems when it comes to house contents insurance?

I'm renewing my cover at the moment and, after buying a couple of watches over the last couple of months, I'm struggling to find an insurer who will cover them - especially as an 'outside the house' risk (and I don't have any single item which is out of the range of relative normality - but cumulativly they mount up).

What to you guys do? Is their a specialist who you can top up your normal home cover with?

In terms of outside the house risk, surely this is limited solely to the most expensive watch owned? Assuming you only wear one at a time?

Absolutely! Currently it doesn't quite cover it though (and were not talking even 5 figures).

[Vesuvius 996]

maxf said:

bermyandy said:

maxf said:

A few of us here have some relatively expensive watches or even watch collections. How many of you have problems when it comes to house contents insurance?

I'm renewing my cover at the moment and, after buying a couple of watches over the last couple of months, I'm struggling to find an insurer who will cover them - especially as an 'outside the house' risk (and I don't have any single item which is out of the range of relative normality - but cumulativly they mount up).

What to you guys do? Is their a specialist who you can top up your normal home cover with?

In terms of outside the house risk, surely this is limited solely to the most expensive watch owned? Assuming you only wear one at a time?

Absolutely! Currently it doesn't quite cover it though (and were not talking even 5 figures).

Chubb are very good.

[ultra violent]

A number of normal house hold insurers base outside cover on the TOTAL cost of your bling. Yep, that is they assume you are wearing all your watches, your misses is wearing all her earings etc. when you get mugged. The last watch i bought added almost £200 a month to my house contents insurance. Then I rang Hiscox, their quote was less than I have ever paid for House insurance (before any real expensive items), and much, much better cover.