Luxury Watch & Jewellery Insurance in Singapore
protect the very special things you’ve acquired over the years.
A Rolex, a Hublot, a Bulgari piece, an Audemars, none of it is covered by a standard home and contents policy. Most owners only discover this at claim time, which is the worst possible moment to learn that the $40,000 watch you reported stolen is actually capped at $5,000 under your existing policy, if it’s covered at all.
Collections also tend to grow quietly, a piece added here, a piece there, until the gap between what’s covered and what’s actually owned becomes substantial without anyone noticing.
That’s the risk we close.
How it works
- Each piece is valued and agreed at the start, so there's no argument over worth at claim time
- 100% of the agreed value paid on a total loss: no excess, no depreciation
- Worldwide cover, wherever the piece travels with you
- Cash settlement option if a piece is damaged beyond repair
- Pair/set protection: if one piece of a matched pair or set is lost or damaged beyond repair, you can hand in the remaining piece and receive the full replacement cost for the set; not just the one item
- Itemised pieces that are damaged but repairable: we cover the repair cost and compensate for any resulting loss in market value
- New acquisitions are automatically covered for 90 days, up to 25% of your existing insured collection value, capped at $100,000, so a new piece isn't left exposed while paperwork catches up
Don't take a chance, contact us now
Why work with a broker on this rather than direct?
Because we’re compensated by the insurer rather than charging you a separate fee, the premium you pay is the same as buying direct, but you get a free annual coverage review, and our access to a network of specialist insurers means better terms than most owners can negotiate alone. As your collection changes, we adjust the policy rather than leaving you to notice a gap yourself.
Frequently asked questions
Will my home contents insurance cover my watch or jewellery collection?
Almost never to its full value. Most home policies cap jewellery and watches well below what a single luxury piece is worth, and many exclude “mysterious disappearance” — meaning if you can’t prove theft, you may not be paid at all.
Does cover apply when I travel with a piece?
Yes — cover is worldwide, not limited to Singapore or to your home.
How is the value of each piece determined?
We agree a value with you at the outset for each itemised piece, so there’s no dispute or depreciation deduction if you need to claim.
What happens if a piece from a set or pair is lost?
You can choose to hand in the remaining piece and we’ll pay the full replacement cost for the entire set, rather than settling only the value of the missing item.