Insuring valuables such as watches

[Blown2CV]

hopefully soon i will fortunate enough to be buying myself a nice watch, which is looking like it will exceed the single item limit on my house insurance. When thinking of insuring, I could do the same as I recently did with Mrs 2CV's engagement ring, which is to list it as an individual named item on the house insurance. There are, however, a number of drawbacks to this approach (I've found):

• Not insured for damage or loss
• Not insured when outside the house AND not on her finger - you might think this is a daft thing to be bothered about, but it could happen
• not insured if it ever needs to be posted anywhere e.g. the jewellers it came from, in london (I'm in the north west)
• it alone has really made the house insurance premium shoot up

i feel sure there is a better way of doing this, and as I understand it I can sign-up to a specialist valuables policy which might cover all the things which don't make sense to include on the house policy, and it might not even cost as much as the amount that her ring alone added to the house insurance premium (or certainly the ring plus the potential watch additions)...

how do you lot do it? some of you have watch collections that are worth more than my house!

[Blown2CV]

just to be clear this is a specialist policy as a separate and additional policy to 'standard' house insurance? This isn't a house policy to replace my existing one is it?

[Blown2CV]

ok thanks. Current policy is with More Than. I've been with them for years to i suspect they've categorised me into the "will never move however much we take the piss" group. I may review the cover as it probably makes more sense to put the items under a greater 'single item limit' and up the personal possessions limit than to list items as individual specifics.

[Blown2CV]

all excellent info, sounds like i need to get tough on those more than fkers. I am definitely paying 'more than' everyone else for 'less than'... you get the picture.

I don't have a safe