Because a timepiece is also an investment,
Insurance and Certification are there to guarantee it.
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Insuring your watch has long been a headache. Easy to steal and difficult to trace, traditional insurers only cover it at home, never when it is being worn.
Watch Cover innovates with comprehensive all-risk insurance dedicated to protecting watches, both at home and when worn outside, against damage, theft, or assault.
This system is based on unique technology that allows the watch to be reported stolen and blacklisted.
This insurance program is operated by the broker CLEVERand the insurer HISCOX.
In the event of a covered incident, Watch Cover takes care of everything and does not apply any deductible. So you don't have to worry about losing value when wearing your watches.
Travel with peace of mind. Your watch is fully covered, at home and abroad, worldwide.
Watches insured by Watch Cover benefit from coverage tailored to their actual value.
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To obtain an approved value, Hiscox relies on the Watch Certificate™ digital passport and its network of experts.
Tamper-proof, it centralizes and certifies your watch's key data to facilitate insurance, tracking, maintenance, and resale with complete confidence.
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Eric D.,
collector
Lyon
Béatrice A.,
insured watch
Marseille
Jeremy L.,
owner of a mechanical watch
Paris
Home insurance policies generally cover watches only when they are at home, sometimes even only when they are placed in a safe. Compensation limits are often low and accompanied by numerous exclusions. Watch Cover protects your watch at its actual value, even when worn outside the home.
Coverage includes accidental damage, theft with assault or break-in, glass breakage, and impact damage.
No. Watch Cover is insurance with no deductible. You will not have to pay any out-of-pocket expenses in the event of a covered claim. To take full advantage of this protection, the watch must have completed the certification process, if applicable, and the agreed value must have been validated.
The claim can be made online in just a few minutes. Once the file is complete and validated, repairs or compensation will be arranged quickly. Processing times are accelerated when the watch has already completed the certification process and its agreed value has been validated. Otherwise, additional checks may be necessary before compensation can be paid.
Your watch is insured based on the agreed value stated on your Watch Certificate™ passport. This ensures that you will be compensated for the replacement value of your watch. As the value of certain models may change over time, Watch Certificate™ services allow you to remotely update the agreed value of your watch, so you can easily adjust your insurance policy to ensure you are covered for the correct value.
Yes. The protection requirements applicable to the home (safe, lock, etc.) are not enforceable in the event of a loss occurring outside the home.
Yes. If you take out a Watch Cover policy, your watch is covered both at home and away from home. This means you no longer need to insure it through your home insurance. You can contact your insurer to request the removal or adjustment of the "valuables" coverage, which will generally result in a reduction in your premium.
Protect your watch against everyday mishaps with simple, transparent insurance tailored to its value.