Your watch. Worldwide protection.

Watch insurance: why home contents cover falls short for luxury watches

Luxury watches are only partially covered by a standard home contents policy — and often inadequately. Many policies cap valuables at a flat share of the total sum insured (typically 20–30%), only pay out for burglary from locked premises, and settle at the depreciated value rather than the current market value, which for sought-after references can be considerably higher.

A dedicated watch policy (all-risks cover) insures the watch worldwide and around the clock — against theft, robbery, loss and damage, and often simple loss off the wrist. No proof of forced entry, no flat valuables cap.

The decisive factor is the right sum insured. It should reflect the current replacement value, not the original purchase price. The MWB-CHECK and our market knowledge help establish the realistic market value, so you are neither under- nor over-insured when a claim arises.

The premium depends on value, model and how you wear the watch. As a rough guide, the annual premium is often in the low single-digit percentage range of the watch's value. Calculate your exact premium without obligation in the tool below. Through our partnership with Asspario (ChronoProtect) you insure your watch precisely — watches bought at MWB are already documented and valued via the MWB-CHECK, which simplifies both taking out cover and settling a claim.