Jewellery & Watches
Protection for exceptional personal pieces.
Protection for fine jewellery, high horology timepieces and exceptional personal pieces whose value extends far beyond their everyday use.
Coverage Spectrum
- Haute Horlogerie & Rare Watches
- Fine Jewellery & High Jewellery Collections
- Certified Diamonds & Colored Gemstones
- Heritage & Antique Pieces
- Agreed Value Schedules
- Worldwide Wearing & Transit Coverage
- Vault & Safe Deposit Deductible Options
- Mysterious Disappearance & Accidental Damage
Why high-value assets require specialized insurance architecture.
High-value watches and bespoke jewellery are portable, highly desirable, and subject to sudden market value fluctuations. Standard home contents policies severely cap single-item jewellery limits and impose restrictive wearing warranties. Private client placement provides worldwide, all-risks cover tailored to active lifestyles.
What Can Be Assessed
Factors that may be relevant to underwriting and placement include:
Independent Valuations & Appraisals
Recent valuation certificates from certified gemologists or horological specialists with serial documentation.
Storage & Safe Specifications
Home safe ratings (EN 1143-1 European grade standards), vault deposit boxes, and alarm link integration.
Wearing vs. Vault Ratio
Establishing flexible terms for pieces worn regularly versus collection items securely stored in banking vaults.
Travel & International Transit
Worldwide unencumbered coverage while travelling, including hotel safe warranties and transit exposure.
Market Value Inflation & Escalation
Automatic appreciation buffers (e.g. up to 125%-150% of insured value) to counteract surging horology market values.
Pairs & Sets Clause
Provisions ensuring full payment for complete sets if an irreplaceable individual item or earring is lost.
* The factors above illustrate typical underwriter review points. Not all factors apply to every risk profile.
The Private Client Approach
High-value assets often require an individual assessment rather than a standard online quote. We act as your private client advisor, assessing complex multi-jurisdictional risks and placing them directly with specialist syndicates.
Agreed Value Scheduling
Every significant watch or jewel is itemized on an agreed value basis, removing dispute at the moment of claim.
Worldwide All-Risks
Comprehensive protection against theft, loss, accidental damage and mysterious disappearance globally.
Discreet Handling
Complete privacy of valuation reports and safe locations with encrypted handling of all appraisal files.
Advisory & Placement Sequence
Key Structural Considerations
Request a Private Client Review
Discreet, direct advisory consultation for jewellery & watches. Provide details below to initiate assessment.
Tell us what you would like to protect.
We will review the requirements and determine the appropriate insurance route. Every enquiry is handled under strict confidentiality.
Explore Additional Divisions
Supercars & Exotics
Specialist insurance considerations for exceptional vehicles, high-value automobiles, hypercars and collector assets that exceed the boundaries of standard motor policies.
Yachts & Superyachts
Protection structured around the vessel, its use, navigation, ownership and associated marine risks across private and charter profiles.
Private Aviation
Insurance considerations for privately owned and operated aircraft, business jets and helicopters, subject to underwriting and aircraft-specific assessment.
Fine Art & Collectibles
Insurance considerations for collections and individual pieces where valuation, provenance, storage, and movement can materially affect the risk.