Watch Insurance
Discussion
Over the last few years I've been spending hundreds of pounds on a specialist insurance company to cover my watches. This year the premium was nearly £300. I then found I could cover them on my home contents insurance as specified items. Covered for world wide travel. Same cover as the specialist company. To include my watches, together with a laptop and a few thousands worth of camera equipment, cost an extra £80 on my home contents. You live and learn as they say.
Brads67 said:
Been doing that for years. All listed on my home cover.
specific watch insewerance was seriously expensive.
Indeed! I took the specialist insurance out when I bought my first "expensive" watch as the home insurance company weren't interested. They where one of those companies that offered cheap home and contents on go compare. com. Have since moved onto a more established company. specific watch insewerance was seriously expensive.
It may be worthwhile taking a photograph of specified items, perhaps storing the pics on a flashdrive. I have heard of people also taking pics around the house room by room just to prove that you owned the items you were claiming for.
I have quite a few items that have been passed on down the family and if they get stolen the first thing I may be asked is 'have I got the receipt for purchase?' or I may be asked to prove that I owned it and that it was taken during the burglary.
For example, I bought a Spode dinner service 30 years ago at the factory, there is one huge serving dish and cover that was £350 on its own, no chance of a receipt.
My advice is to take pics of as much as you can, it isnt much of a hassle to store the pics and keep them safe if they were ever needed.
I have quite a few items that have been passed on down the family and if they get stolen the first thing I may be asked is 'have I got the receipt for purchase?' or I may be asked to prove that I owned it and that it was taken during the burglary.
For example, I bought a Spode dinner service 30 years ago at the factory, there is one huge serving dish and cover that was £350 on its own, no chance of a receipt.
My advice is to take pics of as much as you can, it isnt much of a hassle to store the pics and keep them safe if they were ever needed.
[quote=Parkette]It may be worthwhile taking a photograph of specified items, perhaps storing the pics on a flashdrive. I have heard of people also taking pics around the house room by room just to prove that you owned the items you were claiming for.
Yes, good point. It's been something on my to-do list for a while.
Yes, good point. It's been something on my to-do list for a while.
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