Watch Insurance
Discussion
Some of you have some serious timepieces.
Without revealing too much about yourselves, are they covered as part of your homes and contents? Or do you have seperate cover?
Been onto house insurers, who want silly money to add my watch to our policy, so just wondering what others do/have done to cover thiers?
thanks all
Without revealing too much about yourselves, are they covered as part of your homes and contents? Or do you have seperate cover?
Been onto house insurers, who want silly money to add my watch to our policy, so just wondering what others do/have done to cover thiers?
thanks all
I'm interested as well, the wife's Rolex is on the house insurance at about £120 which is fecking rediculous. My GP isn't as yet insured and was wondering if there were stand alone policies.
I found a few with a quick search but they were thru jewelers and only covered if you bought from them. They seemed a lot more reasonable cost wise. Since my initial enquiries I've not looked again, maybe this will be the catalyst.
I found a few with a quick search but they were thru jewelers and only covered if you bought from them. They seemed a lot more reasonable cost wise. Since my initial enquiries I've not looked again, maybe this will be the catalyst.
I've only just renewed my house insurance, so can tell you what I found out.
My total house/contents insurance was only £300 all in with esure, which saved £250 on my renewal quote from directline. My rolex had to be valued as it was worth more than £2500, (this wasn't even on the old directline policy!), any others below that value just had to be detailed on the policy. They're also covered if they're lost/stolen outside the home.
£120 extra for a watch is a bit cheeky!!
PS. I've also got a £1000 mountain bike covered on the policy, so it seems pretty good value! Shame the adverts are so bloody annoying!!!! Calm down dear!!!
My total house/contents insurance was only £300 all in with esure, which saved £250 on my renewal quote from directline. My rolex had to be valued as it was worth more than £2500, (this wasn't even on the old directline policy!), any others below that value just had to be detailed on the policy. They're also covered if they're lost/stolen outside the home.
£120 extra for a watch is a bit cheeky!!
PS. I've also got a £1000 mountain bike covered on the policy, so it seems pretty good value! Shame the adverts are so bloody annoying!!!! Calm down dear!!!
Andy_CTR said:
I've only just renewed my house insurance, so can tell you what I found out.
My total house/contents insurance was only £300 all in with esure, which saved £250 on my renewal quote from directline. My rolex had to be valued as it was worth more than £2500, (this wasn't even on the old directline policy!), any others below that value just had to be detailed on the policy. They're also covered if they're lost/stolen outside the home.
£120 extra for a watch is a bit cheeky!!
PS. I've also got a £1000 mountain bike covered on the policy, so it seems pretty good value! Shame the adverts are so bloody annoying!!!! Calm down dear!!!
Wifes got a bimetal datejust - so £3500 new.......and my GP list price is £6700 new, god knows how much that will cost.My total house/contents insurance was only £300 all in with esure, which saved £250 on my renewal quote from directline. My rolex had to be valued as it was worth more than £2500, (this wasn't even on the old directline policy!), any others below that value just had to be detailed on the policy. They're also covered if they're lost/stolen outside the home.
£120 extra for a watch is a bit cheeky!!
PS. I've also got a £1000 mountain bike covered on the policy, so it seems pretty good value! Shame the adverts are so bloody annoying!!!! Calm down dear!!!
filaborg said:
Insuring your watch under your house insurance, where do you stand if you lose the watch other than your house. Just cant see insurance company's handing out a 5k cheque or what ever the watch is valued at.
You have it under the 'all risks' bit, which covers loss, damage and theft outside the home.Some policies don't cover 'lost' only theft
sparkyhx said:
filaborg said:
Insuring your watch under your house insurance, where do you stand if you lose the watch other than your house. Just cant see insurance company's handing out a 5k cheque or what ever the watch is valued at.
You have it under the 'all risks' bit, which covers loss, damage and theft outside the home.Some policies don't cover 'lost' only theft
My local broker does me a deal £250 Building & Contents, most of my watches, and push bikes, fall within the standard 'any item under £1500' bit covered, home and away, (although the B1 might be sneaking over that limit if based on new price, the Daytona is named on the policy, with valuation from dealer no extra loading but only covered upto RRP so couldn't actually replace it straight away.
Maxf said:
Justayellowbadge said:
Hiscox.
Job done.
Agree. Very good (although thankfully claims department is untested).Job done.
zurich 'private clients' is the product provided which is better than its standard product for wealthier indvidules although to be honest you dont have to be that rich.
the cover given is vastly superiour to that which is usually given.
anyone with a watch / jewellery collection should consider the 'high networth' insurers.
b.t.w hsbc private clients and barclays privite clients are banks not insurers you will most probably find that any policies put forward by them are underwritten by chubb, hiscox or zurich p.c.
the cover given is vastly superiour to that which is usually given.
anyone with a watch / jewellery collection should consider the 'high networth' insurers.
b.t.w hsbc private clients and barclays privite clients are banks not insurers you will most probably find that any policies put forward by them are underwritten by chubb, hiscox or zurich p.c.
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