Watch Insurance in India

Standard home contents policies cap valuables at ₹1L per item. For anything above that, dedicated valuables cover is essential.

What to ask the insurer

• Worldwide cover (you'll wear it abroad).
• Accidental damage included (not just theft).
• Agreed value vs market value at claim time.
• No restrictions on countries you visit.

Documentation

• Original receipt and warranty card.
• High-res photos of the watch from 6 angles.
• Serial number on the case-back captured.
• Recent independent valuation for pieces over ₹10L.

Expected premium: 0.6–1.2% of insured value per year.