Jewellery and watch insurance

Having adequate insurance coverage will help with the financial loss if something happens to your piece—whether it's a resource to purchase a replacement, cover the cost of repair or restoration, or compensate you for any depreciation.

Howden insurance has been specially developed for:

• Jewellery such as rings, earrings, necklaces, bracelets and other high-value items;
• Luxury watches, whether for collection or personal use.
   

A specialist insurance policy with Howden can include cover for:

• Robbery or qualified thef
• Breakage
• Accidental damage

The insurance offers full protection for when the jewellery or watch is being used, whether at home, on the street, or in any everyday situation. In addition, the coverage is also valid worldwide, providing peace of mind when travelling.
 

The policy does not cover:

• Simple theft (without breaking barriers or violence)
• Unexplained disappearance
• Theft of goods stored outside the safe during travel
• Use in countries at war or under international economic sanctions
• Natural wear and tear, such as scratches, stains or deterioration due to continuous use
• Intentional damage or damage deliberately caused by the insured
• Bad faith, gross negligence or intentional carelessness on the part of the insured.