Contents insurance | Watch cover

Watch insurance

Insure your high-value watches along with all your other treasured possessions. Comprehensive contents insurance, starting from £75,000, covering theft, accidental damage, and more. Get a quick quote in 5 minutes.

We offer complete cover contents insurance. Living room scene with rivr fingerprint covering wall and floors to show it's protected

Luxury watch insurance, simplified. One policy, comprehensive coverage for all your valuables

Buying standalone watch insurance can be expensive and time-consuming. Why waste your time and money dealing with multiple policies when one can cover everything?

Protect your luxury timepiece with a contents policy designed specifically for people with more to protect.

Benefit from all-risk protection against theft, loss, and accidental damage, ensuring your watches and valuables will be covered at all times, anywhere in the world.

One policy, total coverage

The ultimate insurance for high-end watch owners and collectors. Cover for your home, its contents, and all of your valuables under one policy.

One of the key rivr distinctions is that we provide all risks cover. Essentially, unless the policy wording explicitly says that something isn’t covered, or that it has a limit, then it’s covered. No second guessing or ambiguity for you.

No need to list everything

You only need to specifically tell us about your possessions worth £25,000 or more, so you won’t have to spend time listing all your watches.

Worldwide cover as standard

Your watches, jewellery, and other valuables and possessions are covered away from your home.

Protect all of your things with a better level of cover

Your phone, laptop and tech are covered as standard, worldwide.

The rivr standard

Easier to understand

One policy, not multiple, to cover your home and all your possessions, with less ambiguity and no trip hazards.

Better cover, fair price

Better cover than normal insurance at a fair premium that gives you confidence in the level of cover you receive.

Fast and friendly

Simplified process, enhanced with data, gives you a live online quote in 5 minutes.

“got a quote back straight away. No need for a lengthy phone call or documents to be emailed back and forth. Best part of all - they were the cheapest with still great cover”

Anna

“Competitive contents premium and super simple process buying cover through the website. Comprehensive cover of jewellery was a nice surprise too. Really easy to contact Rivr.”

Edward

What’s covered?

Multi-watch protection

Comprehensive insurance for your entire watch collection, including Tag Heuer, Rolex, Omega, and more.

Worldwide cover

Your watches and valuable possessions are protected worldwide if they’re lost, damaged, or stolen.

worldwide cover

Theft protection

Comprehensive watch theft insurance that protects your timepieces whether inside your home or out.

Accidental damage

We will pay for damage caused to your watch accidentally.

accidental damage cover

New purchases and substitutions

Automatic cover extends for 60 days for any new watches you purchase, up to an additional 25% of your contents sum insured.

new purchases cover

Your homes contents

All your home's contents. It is a long list but most things are covered as standard, and more than you expect.

home contents cover

Valuables under £25,000

Jewellery, watches, fine art and antiques worth up to £25,000 each covered as standard. Proof of ownership and value is required if you claim.

valuables, jewellery, art and watches cover

Valuables over £25,000

Jewellery, watches, fine art and antiques worth over £25,000 each are covered but need to be individually specified. Proof of ownership and value is required if you claim.

valuables, jewellery, art and watches cover

Alternative accommodation (Contents Cover)

If you can't live in your home for up to 3 years due to some insured damage we will pay for somewhere else for you to live or cover your rent if you rent your home.

alternative accommodation cover

Replacement locks

We will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys.

replacement lock cover

Fine art and antiques market appreciation

If the market value of a fine art or antique piece has appreciated within the last 3 years we will pay up to 150% of its insured value if you have a valuation in place.

fine art market appreciation cover

Death of an artist

If your art appreciates in value due to the death of an artist you will still be covered as long as you have a professional valuation in place.

death of an artist cover

Office equipment

We will pay up to £20,000 per claim for office equipment, and £10,000 for business stock.

office equipment cover

Outdoor items

We will pay up to £2,500 per item for garden furniture, statues, barbecues and items that live outside.

bbq outdoor items cover

Small vehicles

We will pay up to £5,000 per claim for land vehicles like lawnmowers, quad bikes, and Segways.

small garden vehicles cover

Boats and watercraft

We will pay up to £5,000 for watercraft like dinghies, surfboards and small boats.

boat and watercraft cover

Storage

We will pay up to 25% of your contents sum insured for loss or damage to your belongings that are kept in storage. Limited to certain events.

items in storage cover

See what else is covered under contents cover

Read the policy wording to see full cover details, what else we cover, and to understand what is not covered.

policy search

Additional cover as standard

Unlike many other insurers, we don't up-sell you add-ons, bolt-ons or so-called extensions. Here's some of what's also included in your policy, as standard.

Home emergency cover

Covers repair costs up to £1,500 in case of an emergency.

Liability cover

Covers your liability if something happens at your home.

complete cover

Family legal protection cover

Covers you against a wide range of legal costs associated with a wide range of disputes.

What’s not covered?

We’ve worked hard to keep this list as short as we can, but here are some of the things that are not covered under your policy.

Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered.

Policy Wording Insurance Product Information Document

Existing and deliberate damage

There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.

Building works over £75,000

There is no cover for loss or damage resulting from building works that cost more than £75,000.

Confiscation

There is no cover for loss, damage or liability from confiscation or holding your property from officials or authorities.

Loss of value and indirect losses

There is no cover for any decrease in value as a result of a repair or replacement, or any loss not directly related to a valid claim.

Gradual wear and tear

There is no cover for any gradual damage and wear and tear, guarding against long-term deterioration or aging of property.

Defective design, breakdowns and faults

There is no cover for any loss, damage or liability as a result of design flaws, workmanship, or mechanical and electrical faults or breakdowns.

Unoccupied homes

There is no cover for losses when your home is unoccupied for over 45 days, and certain precautions listed in the policy wording have not been taken to safeguard your home and heating system during certain periods.

Let properties and business use

There is no cover for any loss, damage or liability from any part of your home that is let or is used for business purposes.

Electronic data

There is no cover for loss, damage or liability from computer viruses or data corruption.

Pollution and contamination

There is no cover for loss, damage or liability from pollution or contamination except in specific circumstances listed in the policy wording.

Nuclear and radioactive hazards

There is no cover for loss or damage or any legal liability from radioactive materials or nuclear components, or from potentially catastrophic events like radiation leaks.

War and terrorism

There is no cover for direct or indirect damages resulting from war, civil disturbances, or terrorist acts.

Your excess

Your excess as detailed in your policy schedule.

Damage to items during transportation

There is no cover for items improperly packed or secured during transport.

Damage or liability from malicious gun use

There is no cover for damage or liability from intentional or malicious use of guns is not covered.

Theft from unlocked and unattended vehicles

There is no cover for items stolen from an unattended vehicle are only covered if force and violence were used to gain entry. Additionally, the items must have been hidden from view or locked in the boot or glove box.

Lost deliveries

There is no cover for undelivered goods or services purchased online.

Loss of value from repairs

There is no cover for loss of value to contents following repair, replacement, or reinstatement.

Warping or shrinkage

There is no cover for loss or damage due to warping or shrinkage.

Some subsidence or heave damage

There is no cover for loss or damage caused by subsidence, heave or landslip to the following:

  • As a result of faulty design, specification, workmanship or design;
  • Where the damage is covered by another insurance policy, guarantee or by-law;
  • Caused by river or coastal erosion; or
  • Whilst the buildings are undergoing structural repairs, alterations or extensions

Your watch insurance questions answered

Insurance can be complicated and hard to understand, these are some of our most common questions.

I own multiple watches. Can they all be covered under the same policy?

Yes. Your contents insurance policy will cover multiple watches and other jewellery. This means you can protect your entire collection without needing separate policies.

Is there a value limit on watches covered?

Our contents cover starts from £75,000 all the way up to £500,000, meaning you can protect high-value watches with confidence.

Do I need to register my watches separately for coverage?

You only need to disclose individual watches valued at £25,000 or more, meaning you won't have to spend time listing every watch you own.

Does watch insurance cover theft or loss?

Yes, our comprehensive contents insurance covers your watches against theft and loss, both inside and outside your home.

What about accidental damage, like dropping or scratching my watch?

Accidental damage is covered under our policy. This includes things like dropping your watch, spilling liquids on it, or accidentally scratching it.

How do I make a watch insurance claim?

You can make a claim by contacting our specialist claims team, Questgates.

For details on how best to contact them please click here.

What kind of proof of ownership would I need for a watch claim?

You would need to provide evidence such as the original purchase receipts or invoices.
We’re always here to help

Call or message us anytime to clear anything up, we also we offer a complimentary quote-comparison call to help you get the correct cover (even if it isn’t ours).

Schedule a call

How it works

Need a bit more explanation? Then head to our FAQs page where you’ll find loads of answers to our most commonly asked questions.

FAQs
personal risk details

One

You answer a few questions about yourself, your home and what you are looking for.

simple form

Two

Review your quote and any conditions of cover

Note: Some quotes need to be reviewed by our team, this will be done within a day. If we have additional questions, we’ll get in touch.

protected

Three

Accept your quote and pay. That’s it.

manage cover online

Control your cover

Manage your policy online
Review, add to, remove or change your cover online at any time.

Make a claim
Submit claims through your account and our specialised claims partner will handle your claim.