Insuring your watch?...

[Sarosh]

Hi Guys,

I understand that most home contents insurance policies in the UK will have a provision for any items that are under the value of £3500. In the instance that a watch would exceed this value what do you suggest?

Insure that individual watch separately? Or just declare it to the insurance company. Would you need to provide proof of the value to the insurance company?

If and when it's stored in a safe would the insurance still apply to it? Sorry for all the questions but just wanted some sound advice. I'll most likely wear the watch 5 out of the 7 days in a week so I know it'll be covered whilst it's on my wrist.

Thanks