Rolex, Omega, Patek Philippe, Cartier, Breitling, TAG Heuer & more
We insure luxury watches worldwide under one high value contents policy. Rivr is digital first insurance for serious collections, fast to start, easy to manage, human when it matters.
With Rivr:
specialist cover that fits your lifestyle
jewellery and watch insurance made simple
Multiple items included under one contents policy, protected worldwide.
no restrictions
Rivr's home insurance is designed to work with you, not against you. We don't have the same restrictive safe terms as others.
and more
Digital first insurance, a tailored approach, and a client advisor on hand to help.
from tag heuer to rolex watch insurance, with worldwide cover
A professional valuation helps ensure your policy reflects your watch's true worth. It protects you from day one and speeds up the claims process if something goes wrong. A current valuation also acts as proof of ownership, helping resolve claims for loss, theft, or damage more smoothly.
We can point you towards trusted experts and make it easy to upload documents when you're ready. For the most reliable results, choose a certified horologist or a valuation recognised by a professional guild.
Most home insurance policies limit cover for valuable items to just a few thousand pounds. That means your watch may be significantly underinsured if it is lost, stolen, or damaged. Some policies exclude accidental loss entirely or only apply if the item is separately listed as a specified item. Others set strict single-article limits or refuse claims related to wear or loss from an unattended vehicle.
This is specialist watch insurance built into one contents policy, alongside the rest of your home, with higher limits and fewer exclusions than most standard policies allow.
Even specialist cover has limits. Rivr's watch insurance doesn't cover wear and tear or mechanical and electrical faults, and theft from an unattended vehicle is only covered if there's evidence of forced entry. Reporting a theft to the police promptly also matters, delays can affect how a claim is handled. Outside those, cover includes accidental damage, theft, and loss, worldwide.
See the full list of exclusions and how claims work in our guide to insuring a luxury watch.
Read our Rolex insurance guideWatch theft is rising. According to The Watch Register, the global database now lists more than 110,000 lost or stolen watches (data current November 2025). Whether worn daily, taken abroad, or stored securely, your timepiece moves with you. So does the risk, which is why Rolex watch insurance and cover for other luxury brands matters, especially for owners who want the freedom to wear without worry.
With Rivr, your policy adapts to your habits. It covers accidental damage, loss and theft worldwide, with flexible support and simple valuation updates.
Every policy evolves with your collection. Newly purchased watches are automatically covered for a set period, giving you time to arrange a professional valuation and update your policy if needed. Higher-value pieces can be listed for agreed value in line with your policy terms.
If you ever need to make a claim, choose what works best for you. That could be a cash settlement, a replacement from one of our trusted partners, or a full repair through a specialist. We base all settlements on the insured value listed in your policy.
A single item limit caps what standard insurers pay for one watch, often £1,500 to £2,500.
your cover
You can insure up to £500,000 of contents if needed, including your most valuable timepieces, with only items over £25,000 needing to be specified individually.
Start your quote online in minutes, and upload any valuations digitally whenever it suits you.
Enjoy worldwide protection for your jewellery and watches, with no specific storage requirements. Full details can be found in your policy documents.
Your watches are covered while they’re at home or in a safe, in line with the terms and limits of your policy.
Newly purchased watches are automatically included for 60 days for up to 25% of your sum insured, giving you time to let us know so your policy can be updated.
Claims are settled in line with your policy terms on a new-for-old basis. We assess claims quickly and fairly, but exclusions may apply for wear and tear or mechanical faults not caused by a covered event.
Policy documents
Only a summary of the policy’s coverage is presented on this page. Read these documents to fully understand what is and isn’t covered.
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High Value buildings, contents and valuables in one policy.
Specialist cover for your contents and valuables.
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your dedicated client adviser
Get an instant quote and manage your policy online, whenever it suits you. When you would rather talk, your dedicated client adviser is there to help you refine your quote, answer questions during your policy and support you through a claim.
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faq
Insurance can be complicated. Here are answers to the questions we are asked most.
It depends on the value and usage of your smartwatch. For higher-end models or devices used daily, the risk of damage or theft may justify cover. However, many smartwatches fall below typical single item limits on home insurance policies.
With Rivr, cover is designed for high value items, so it may not be necessary to insure lower-value wearables individually. If you’re unsure, we can help you check whether your device needs to be specified.
Standalone watch insurance in the UK typically costs 0.6% to 1.5% of the watch's value per year. Add it to a contents policy instead, as Rivr does, and it usually costs less: around 0.3% to 0.6%. Your actual premium depends on the watch's value, your location, security, and claims history.
See our full guide to watch insurance costs for worked examples.
Keep watches in a secure safe or bank deposit box when not worn, and avoid exposure to heat, humidity, or magnets. Keep receipts, service records, and photos to prove ownership and value.
With Rivr, luxury watches are covered at home and worldwide under your contents policy.
It can be, depending on your individual needs and, sometimes, the type of watch. Luxury watches face real risks: theft, accidental damage, and loss. Standard policies often exclude these or set low limits. With Rivr, your watch is protected through contents insurance, with worldwide cover and flexible claims.
Only for higher-value pieces. With Rivr, jewellery or watches worth over £25,000 must have a recent professional valuation. For items below that, it’s not required but still recommended to help support any future claim.
Yes. Accidental damage is included as standard, giving all-risks protection for your contents whether at home or abroad.
Yes. Rivr includes specialist jewellery cover within your contents policy with up to £500,000 in total contents and £250,000 per specified item. This far exceeds standard insurance policies, which often limit single items to around £1,500–£2,500.
High-value contents insurance provides a more comprehensive level of protection than standard home insurance. It’s designed for homes with a higher standard of finish and valuable personal possessions, such as luxury or antique furniture, fine art, jewellery, and high-end electronics. The cover is tailored to reflect the true value of your belongings and lifestyle.
The cost of high-value contents insurance depends on several factors such as the total value of your possessions, the level of cover you choose, and specific risks like theft.
Premiums are typically higher than standard insurance due to the increased value, but they provide broader protection and higher limits to ensure your possessions are fully covered.
journal
Need to insure your Rolex watch? Discover what watch insurance includes under Rivr contents Insurance, how to set values, what to do if your watch is lost or stolen, and how claims are processed.
In this article, we’ll explore the benefits and drawbacks of standalone watch insurance and look at alternative options to help you decide if it’s the right choice for you.
Determining the value of your home contents is essential for ensuring you have the right level of insurance coverage. Many homeowners underestimate the value of their belongings, which can lead to inadequate insurance and significant out-of-pocket expenses in the event of a loss.
3 simple steps
