Watch Insurance
Enjoy peace of mind with our tailor-made watch insurance.
Lowest Price Guarantee- Loss*, Theft, Damage cover
- UK & Worldwide cover
- No excess
- No-hassle claims
- Monthly payments
Get a quote in seconds...
*Required Field.
Specialist watch insurance
Luxury watches are not only expensive, but they can hold a lot of personal and sentimental value as well. Your watch is understandably important to you, so it deserves to be protected.
Specialist watch insurance through Ripe means insuring a watch has never been easier. Designed with your busy lifestyle in mind, policies through Ripe can protect your much-loved valuables against theft, loss and damage, whether you’re at home, wearing them out and about, and even abroad.
What does watch insurance cover?
What's covered
- Accidental damage to your watch at home or away. Repair, replacement or restoration costs can be covered, providing they don't exceed the full value of your watch
- Theft of your watch during a home break-in or while being worn outside the home, providing you have reported the incident to the police within 24 hours and obtained a Crime Reference or log number
- Loss of your watch wherever you are, providing you have reported the incident to the police within 24 hours and obtained a Crime Reference or log number
- Worldwide cover up to £30k
What's not covered
- Loss of your watch if it was purchased or gifted more than 60 days ago and you have not had it insured in that time
- Wear and tear
- Unmounted gemstones
- Imported items where appropriate UK customs duty has not been paid or where evidence cannot be provided
Watch insurance conditions
When taking out insurance for a watch through Ripe, you'll also need to take the following measures to ensure you are properly covered:
- Theft or loss away from home won't be covered unless
- it is being worn by you or your immediate family
- it is being carried under your close personal custody or control, or that of your immediate family - Theft at home won't be covered unless:
- there are security devices in operation
- there is clear evidence of forcible or violent entry or exit
- it is kept in a locked safe - Evidence of ownership: your watch won't be covered if you can't provide evidence of ownership or a watch valuation
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Insurance Booklet (PDF 374 KB)
Terms of Business
Why should I consider watch insurance?
Buying a watch can be an exciting experience, from browsing different brands, materials and styles to measuring your size and trying models on in person.
If you’ve recently purchased or been gifted a watch, you’ve probably considered insuring it. Luxury watches can be eye-catching, difficult to trace, and easy to sell second-hand, which also sadly means they’re highly desirable to thieves.
This risk of theft, plus the likely high cost to repair or replace your watch should it be lost or damaged, is why you might want to consider specialist watch insurance.
Insuring your watch through Ripe is easy and gives you first-class protection and peace of mind wherever you are.
How much does watch insurance cost?
The cost to insure a watch depends on several factors, such as the value of the watch itself. The quickest and easiest way to find out how much your cover could cost is to get a quote online through Ripe.
As part of the quote process, you’ll be asked for information about your watch which will help us to determine the cost of your cover.
Types of watches you can insure
You can get cover for a wide range of watches through Ripe.
Whether brand new, pre-owned or vintage, you can insure watches from brands including:
- Rolex
- Bvlagri
- Breitling
- Patek Philippe
- Jaeger-LeCoultre
- Cartier
- IWC
- TAG Heuer
Watch collection insurance
We know that luxury watches can be somewhat of a collector's item for some people. If that's you, watch collection insurance through Ripe can help protect your watches up to a combined maximum value of £30k.
As long as each watch is worth a minimum of £1k (maximum £20k), you can add as many watches to your policy as you like—perfect if you've got multiple makes and models.
-
Is watch insurance better than listing watches on my home insurance?
While many home insurance policies can include contents cover for items like watches you may keep at home, these policies may not include cover for your watches when worn outside the home.
Some home insurers may exclude away-from-home cover completely, while others may charge you an additional premium for it. That’s why specialist watch insurance may be something to consider if you like to wear your watch out and about.
How can I make a claim on my watch insurance?
If you need to make a claim, contact our dedicated claims team at Davies Group as soon as you can. You can make a claim online through Davies’ E-Claims portal.
More information can also be found on our How to Claim page.
Can I insure more than one watch on my policy?
Yes, watch collection insurance through Ripe means you can cover any number of watches on your policy, as long as each one is worth a minimum of £1k and a maximum of £20k, and the total combined value of all watches does not exceed £30k.
Our Anti-Fraud Policy keeps our premiums low and our policyholders protected
Here at Ripe, we want to protect and support our policyholders in case you’re ever unfortunate enough to have to make a claim. We always aim to settle genuine claims quickly and efficiently to the benefit of our customers.
Fraudulent claims increase premiums for everyone, so we want our genuine policyholders to know that we have a zero-tolerance approach. Claims which we identify as fraudulent are immediately reported to the Police Insurance Fraud Department (IFED) where they will be dealt with as a criminal act.
Find out more about The Risks of Making Fraudulent Insurance Claims
*If the item you are wanting to insure was purchased/gifted more than 60 days ago, and you have not had it insured in the last 60 days, then loss cover will be excluded. Your policy will still provide cover for theft and accidental damage for all items you have chosen to insure with us.