Jewellery & Luxury Watch Insurance | Horner Blakey
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Jewellery & Luxury Watch Insurance

Our Jewellery and Watch Insurance is designed for people who want their most valuable items protected properly, with complete peace of mind.

We offer specialised insurance for renowned luxury watch brands such as Patek Philippe, Richard Mille, Audemars Piguet, Cartier, Rolex and Omega, ensuring comprehensive protection for your premium timepieces.

From individual pieces to entire collections, we arrange cover that reflects the true value of what you own and provide a service that supports you if the unexpected happens. Having the right cover in place is essential to safeguard your valuable watch and jewellery, giving you confidence that your prized possessions are fully protected.

Horner Blakey

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020 7929 0108

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What Is Jewellery and Luxury Watches Insurance?

Jewellery and watch insurance is specialist cover created for high-value items that exceed the limits of standard home insurance policies. While contents insurance provides general protection for personal belongings within your home, it often does not offer adequate cover for valuable jewellery and watches, making specialist insurance essential.

This includes engagement rings, diamond jewellery, luxury watches, and collectible pieces where accurate valuation and specialist claims handling are essential.

Our approach ensures your jewellery and watches are clearly valued and protected both inside your house and when taken outside, wherever they are in the world.

A luxury watch being handled carefully by a seller using gloves to protect the item

What Does Jewellery and Luxury Watch Insurance Cover?

Cover is tailored to your collection and lifestyle, but typically includes:

  • Agreed value cover for each item
  • Accidental loss, accidental damage, and other risks
  • Theft at home or away
  • Worldwide cover
  • Mysterious disappearance where appropriate
  • Specialist repair or replacement through trusted jewellers and watchmakers

This protection extends to trips abroad, providing coverage for a period of up to 60 days, so your valuable items are safeguarded internationally. With this policy, you can confidently wear your jewellery and watches anywhere, knowing you are protected against a wide range of risks. If your item is lost or damaged, the policy can replace it with a new or comparable item.

We regularly arrange insurance for brands such as Rolex, Breitling, Tag Heuer, Cartier  and other luxury brands, as well as Diamond Ring insurance and bespoke jewellery pieces.

Optional Extras and Enhancements

Depending on your requirements, cover can also include:

  • The option to insure a single watch without needing to cover multiple items
  • Newly acquired items while awaiting formal valuation, with coverage available from the point of purchase
  • Automatic index linking to protect against inflation
  • Cover for items kept in safes or safety deposit boxes
  • Multi-item and collection-based policies

Everything is structured to protect the item properly, without unnecessary restrictions or uncertainty.

Clients can easily obtain additional coverage or enhancements as their needs change.

Why Choose Horner Blakey?

High value jewellery insurance is not just about the policy wording. It is about how things are handled when something goes wrong. We work closely with private clients who expect clarity, discretion, and a highly personal service. Our role is to take responsibility for the process, so you do not have to.

You also have the opportunity to review your coverage and make adjustments as needed to ensure complete satisfaction.

Personal, Expert Advice

You will deal with experienced professionals who understand high value jewellery insurance and luxury watch insurance, not generalised household policies.

Specialist Insurers and Partners

We place cover with insurers who understand luxury items and work with specialist jewellers, valuers, and watchmakers.

Claims Support That Puts You First

If you need to make a claim, we manage it on your behalf. That includes liaising directly with insurers, loss adjusters, and specialists, ensuring your interests are protected and the outcome reflects the value of what was lost or damaged.

A Service Built Around Convenience

From valuations and renewals to claims and policy updates, we make the process straightforward, discreet, and efficient.

Frequently Asked Questions

Do I need separate insurance for jewellery and watches?

Often, yes. High value items frequently exceed the limits of standard home insurance and benefit from specialist cover with agreed values.

Can you insure luxury watch brands like Patek Philippe and Cartier?

Yes. We regularly arrange Luxury watch insurance for brands including Rolex, Omega, AP, IWC and Tag Heuer.

Is my jewellery insured outside the home?

Worldwide cover is commonly included, meaning your items are protected whether worn, stored, or travelling.

What if I lose an item rather than it being stolen?

Depending on the policy, accidental loss and mysterious disappearance can be included. We will explain what is covered clearly before arranging your policy.

How are claims handled?

We manage the entire claims process for you, keeping you informed and ensuring repairs or replacements are handled by appropriate specialists.

Highest quality independent, expert advice.

We will negotiate the best possible insurance premium and terms for you.

Based in the heart of the city of London, at the centre of the London insurance Market

We deal with clients in London, the Home counties and across the UK

Taking the hassle out of Insurance...

Speak to a member of our dedicated team

020 7929 0108
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