High Value Jewellery and Watch Insurance
Exceptional jewellery and watch insurance tailored for high value pieces with worldwide coverage.
Our experienced team will work with you to protect your treasured jewellery and watches with bespoke cover specifically designed for high value pieces and collections.
At Stanhope Cooper, we offer custom watch and jewellery insurance policies tailored for individuals with high value items, specifically those valued over £20,000 or collections exceeding £50,000.
Our comprehensive high value jewellery and watch insurance includes options for replacement, repair, and cash settlements, ensuring that your coverage meets your specific needs. You don’t need to list every item you own; our standalone cover protects your assets in various circumstances, giving you confidence and security for your valuable possessions.
We go the extra mile with a tailored approach to achieve your desired outcome, including options for extending replacement costs for items that appreciate in value over time.
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Do I need a jewellery valuation?
If you make a claim on an insurance policy for loss, damage or theft then you will be asked to provide a valuation or receipt. We recommend regular appraisals of high value jewellery so you can update your policy with the latest value and provide evidence of it’s worth in the event of a claim.
The price of gems and materials fluctuates, so you don’t want to rely on your receipt in case your jewellery has increased in value since you purchased it.
We recommend obtaining a professional valuation from a member of a professional guild or union. You can also get a valuation from a specialist or high street jeweller.
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What happens if my watch or jewellery increases in value?
Regular appraisals will inform you if your jewellery or watch has increased in value. If this is the case, you can submit your appraisal report to your insurance broker, who will use this information to determine the appropriate coverage for your item. This reduces the risk of being underinsured and provides evidence of value in the event of needing to claim.
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Can I take my watch on holiday and in the sea?
Worldwide cover is often included as standard with a high value watch or jewellery policy. This allows clients to enjoy wearing their prized possessions abroad, even in the sea, with cover for accidental damage and accidental loss.
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I have inherited a watch, what do I do now?
Firstly, use a specialist to evaluate the watch and provide a written valuation to gain a better understanding of the watch and its value. This is especially helpful for pieces that have been inherited as value can change over time. Then you need to look for an experienced high value broker who specialises in watches and can find a bespoke policy to suit your needs.
Get a quote today
Please complete the brief form below and one of the Stanhope Cooper advisors will be in touch to assist. Alternatively, you can call our experts on 0207 776 9797.
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