Jewellery and watch insurance

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Protecting your most valuable assets

Howden’s jewellery and watch insurance is a specialised solution designed to protect luxury watches, jewellery and collections against everyday mishaps. Cover may include theft, burglary and accidental damage, providing protection for high-value items at home, whilst out and about, and during domestic and international travel, in accordance with the terms of the policy.

Engagement ring

Why choose Howden for jewellery and watch insurance?

Howden is the only insurance broker in Brazil with international expertise in insurance for jewellery, luxury watches and collectables. Putting our clients at the heart of everything we do means offering a personalised service, with discretion and attention to detail. We work with specialist insurers to tailor solutions to each client’s profile, covering everything from individual pieces to high-value collections.

Watch collection

Cover for everyday use, travel and collections

Insurance for watches and jewellery is designed to protect high-value items both in everyday life and whilst travelling domestically and internationally. Cover can be arranged for a single item, such as a Rolex, a wedding band or an engagement ring, or for entire collections of watches and jewellery. Depending on the policy taken out, it is also possible to include authorised users and set limits for items that remain in use.

Diamond ring

How does compensation work?

Each watch or piece of jewellery is insured for a pre-agreed value, determined on the basis of documents such as invoices, certificates or valuation reports. In the event of a covered claim, the insurer may repair, replace or substitute the item with an equivalent one, or provide financial compensation, in accordance with the terms set out in the policy.

Luxury watch

What is required to take out a policy?

To request a quote, you will usually need to provide details such as the make, model, serial number, value of the item, available documentation and where it is kept. Depending on the case, you may also be asked to provide photographs of the item, information on security measures and details regarding the use and storage of the items.

FAQs

Insurance can be taken out for luxury watches, vintage watches, wedding rings, engagement rings, solitaire rings, diamonds, necklaces, bracelets and other valuable items of jewellery. Family heirlooms, inherited pieces and private collections of watches and jewellery can also be assessed.

Each item undergoes a specific valuation, taking into account factors such as value, available documentation, the item’s characteristics and storage conditions. This makes it possible to tailor a suitable solution for both individual items and entire collections.

Yes. Watches, wedding rings, engagement rings, diamonds and other jewellery declared in the policy are covered against robbery, including outside the home, in accordance with the terms of the policy.

Cover may include aggravated theft, where there is evidence such as the breaking of a barrier, fraud, sleight of hand or the use of a false key. Loss, misplacement, unexplained disappearance and simple theft are not normally covered.

Yes. Depending on the policy taken out, the insurance may cover watches and jewellery against damage caused by falls, impacts, broken glass, deformation and other sudden and unforeseen accidents.

Yes. Cover may extend to domestic and international travel. When not in use, the items must be stored in accordance with the requirements set out in the policy.

Yes. Insurance can be taken out for a single item or for an entire collection, taking into account the characteristics and value of each item.

In some cases, yes. Depending on the assessment, other documents may be accepted, such as certificates of authenticity, valuation reports, proof of purchase or inheritance documents.

The policy can cover fine timepieces, luxury jewellery, exclusive pieces, vintage items and private collections, subject to the insurer’s assessment.

Among the most common exclusions are loss, unexplained disappearance, natural wear and tear, manufacturing defects, mechanical faults and items left inside vehicles. The definitive terms and conditions are those set out in the policy.

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Processo SUSEP nº 15414.640113/2024-33

O preenchimento deste formulário não implica aceitação automática do risco, estando a proposta sujeita à análise técnica da seguradora, nos termos das Condições Gerais, Especiais e Particulares do seguro.

Você é uma Pessoa Politicamente Exposta (PEP)?
PEP – definição: considera-se Pessoa Politicamente Exposta aquela que ocupa ou ocupou, nos últimos 5 (cinco) anos, cargos, empregos ou funções públicas relevantes no Brasil ou no exterior, bem como seus representantes, familiares próximos ou pessoas de relacionamento próximo, conforme a legislação aplicável. Informação solicitada exclusivamente para fins de compliance e avaliação de risco.