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
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Bespoke watch insurance. It's about time.
As well as being a significant financial investment, we know that your luxury watches hold particular personal and sentimental value, and are items to be cherished and protected. Knowing how important your watches are to you, we designed specialised watch insurance with your lifestyle in mind, to provide worldwide watch insurance cover, home and away, against loss, theft or accidental damage.
What does our watch insurance cover?
What's covered
- Accidental damage
We cover accidental damage, home and away as standard. Whether your watch is dropped and smashed or sustain other accidental damage, you can rely on our policy to cover the cost of repair or replacement.
Partially damaged items are also covered for the cost of repair and/or restoration, plus the amount of any depreciation, providing that the cost of this does not exceed the full value of the item.
- Theft
If your watch is stolen during a break-in at home, or whilst being worn by you or an immediate family member outside of the home, our policy gives you the cover you need to replace them.
In the event of a claim due to theft, partial loss, loss or malicious damage, you must report the incident Police within 24 hours and obtain a Crime Reference and/or log number.
- Loss
Our policy covers loss of items wherever you are, which means that you have fail-safe security and protection should you accidently lose your watch at home, away from the home or out of the country.
In the event of a claim due to theft, partial loss, loss or malicious damage, you must report the incident Police within 24 hours and obtain a Crime Reference and/or log number.
- Worldwide
We offer worldwide cover as standard which means we will repair or replace your items, wherever the incident occurred, up to a maximum of £30,000.
Providing that you are a UK resident, your policy allows you to enjoy peace of mind wherever you are with unlimited international cover on all policies.
Keep your watch insured
To ensure your watch is covered by our policy you will need to take the following measures.
- Theft or loss away from home
We can't provide cover against theft or loss away from home unless the item:
Is being worn by you or your immediate family
Is being carried under your close personal custody or control or that of your immediate family
Is deposited in a bank or locked safe
- Theft at home
We can't provide cover against theft from your home unless your watch is kept inside the home and any security devices are in operation and there is clear evidence of forcible and violent entry or exit
- Evidence of ownership
We cannot provide cover where no evidence of ownership or a watch valuation has been provided
What's not covered
- Loss cover if item not insured with 60 days
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
- Wear and tear
We cannot provide cover against damage caused by wear and tear
- Unmounted gemstones
We cannot cover against loss or damage to any unmounted gemstones
- Certain imported items
Any imported item where appropriate UK customs duty has not been paid or where evidence cannot be provided
For more information about what isn’t covered under the terms of our watch insurance, please read our insurance booklet.
Why insure your watch?
Most owners of valuable watches have considered insuring them. Eye-catching, difficult to trace and easy to sell-on second-hand, luxury watches have always been desirable items for thieves. In addition to the risk of theft, there is also the threat of accidental damage and loss. Our bespoke watch insurance is easy to arrange, provides first class cover and peace of mind so you can enjoy your watch wherever you are.
What does our specialist watch insurance cover?
We know that you like to wear your watches, not keep them locked up or left at home. This is why we provide specialist watch insurance cover for accidental damage, loss and theft, whether you are at home, at work or on holiday. Our watch insurance provides worldwide protection for watches valued between £1,000 and £20,000 for each watch or a total of £30,000 for a watch collection.
Why specialist watch insurance is better than home insurance
Your home insurance policy may not provide you with the cover you need for your watches outside of the home. Some policies exclude this completely, whilst others will charge a premium to include the additional cover. Whether you wish to insure a Rolex, IWC, Breitling, or Omega, Ripe Insurance for Valuables provides the right cover for your watch and could save you money on your current policy.
What type of watches can I insure?
Perfect for both brand new and pre-owned vintage watches, our watch insurance has been designed to cover all makes of watches including Rolex, Bvlgari, Breitling, Patek Philippe, Jaeger LeCoultre, Cartier, IWC and TAG Heuer. With a maximum combined value limit of £30,000, it’s perfect for covering your watch collection.
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-
How do I make a claim on my watch insurance?
Our claims service has been designed to quickly put you back in the position you were before the incident occurred. Contact our claims team as soon as you can, and we'll guide you through the process. Find out more here.
Where can I insure my watch?
You've come to the right place to get your watch insurance. We're specialists in providing cover for all types of watches, up to a maximum of £30,000 in value. Get a quote.
How does watch insurance work?
Watch insurance works much the same as any other insurance policy. We'll ask you for some details about your watch and provide you with a quote. If you choose to buy the policy, we'll ask you to confirm full details, including the value, make, model, description and serial number. As evidence of ownership, you must have a valuation completed in the last 3 years and/or the original purchase receipt.
How much does watch insurance cost?
There are certain factors which determine the cost of your watch insurance, including the value of the watch. To find out how much it would cost to insure your watch, get an instant quote.
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
