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Getting a watch professionally valued
A professional valuation helps ensure your policy reflects your watch's true worth. It protects you from day one and speeds up the claims process if something goes wrong. A current valuation also acts as proof of ownership, helping resolve claims for loss, theft, or damage more smoothly.
We can point you towards trusted experts and make it easy to upload documents when you're ready. For the most reliable results, choose a certified horologist or a valuation recognised by a professional guild.
Standard insurance isn't built for designer watches
Most home insurance policies limit cover for valuable items to just a few thousand pounds. That means your watch may be significantly underinsured if it is lost, stolen, or damaged. Some policies exclude accidental loss entirely or only apply if the item is separately listed as a specified item. Others set strict single-article limits or refuse claims related to wear or loss from an unattended vehicle.
This is specialist watch insurance built into one contents policy, alongside the rest of your home, with higher limits and fewer exclusions than most standard policies allow.
Even specialist cover has limits. rivr's watch insurance doesn't cover wear and tear or mechanical and electrical faults, and theft from an unattended vehicle is only covered if there's evidence of forced entry. Reporting a theft to the police promptly also matters, delays can affect how a claim is handled. Outside those, cover includes accidental damage, theft, and loss, worldwide.
See the full list of exclusions and how claims work in our guide to insuring a luxury watch.
Read our Rolex insurance guideWhy specialist watch insurance is essential
Watch theft is rising. According to The Watch Register, the global database now lists more than 110,000 lost or stolen watches (data current November 2025). Whether worn daily, taken abroad, or stored securely, your timepiece moves with you. So does the risk, which is why Rolex watch insurance and cover for other luxury brands matters, especially for owners who want the freedom to wear without worry.
With rivr, your policy adapts to your habits. It covers accidental damage, loss and theft worldwide, with flexible support and simple valuation updates.
Flexible cover that grows with your collection
Every policy evolves with your collection. Newly purchased watches are automatically covered for a set period, giving you time to arrange a professional valuation and update your policy if needed. Higher-value pieces can be listed for agreed value in line with your policy terms.
Fast claims and real support
If you ever need to make a claim, choose what works best for you. That could be a cash settlement, a replacement from one of our trusted partners, or a full repair through a specialist. We base all settlements on the insured value listed in your policy.
How to care for your watches
- Wipe case and bracelet after wear; keep away from strong magnets.
- Clean water-resistant pieces with a soft brush and mild soapy water; dry with a lint-free cloth.
- Avoid immersing leather straps; wipe and air dry only.
- Store out of direct sun and humidity; use a pouch or box to prevent scratches.
- Pressure-test water-resistant models after battery changes or impacts.
- Secure in padded case when travelling; avoid checked luggage where possible.
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