Will I be covered if my watch gets stolen?
Cover for theft is generally included as standard as part of a home insurance policy – this is theft from within the home. If your watch is stolen (or lost) when you're out and about, then you're more likely to need personal possessions cover if your watch is worth more than the single article limit, you've declared you're going to take it outside the home and you've added it individually to the policy.
Watches are easy to steal and sell on; they're also small and easy to lose so are usually considered to be a high-risk item. Watches worth more than £1 million in total were stolen in central London in the first quarter of 2018, an officer in the Metropolitan Police's flying squad told the Financial Times. This includes raids on both shops and homes. Rolex is the most stolen make, followed by Omega, Breitling, Tag Heuer, Breguet, Cartier and Patek Philippe, according to the officer.
A Watch Register has been set up, similar to the Art Loss Register, to help record losses and to return any watches that are later found to their rightful owners. See more on the Watch Register.