When a watch is chosen carefully, its insurance should be too – specialist coverage designed for real ownership, wear and long-term value.
Limits far higher than conventional home or travel insurance
Covers accidental damage and loss including fire and theft
Claims are settled based on the insured value with no deductible
New items are covered immediately and worldwide. Your total coverage value can increase by up to 25% for new purchases, provided you notify us within 60 days of acquisition and pay any additional premium
Gifts or engagement rings are covered when the full name and address of the individual in possession of the items are declared on your policy
Policies underwritten by XL Insurance Company SE (Singapore Branch)
Add your items to the Vault in just a few taps. Our comprehensive database provides model references and indicative market or retail values, helping you organise your collection and prepare it for instant cover.
Get instant quotes and secure your policy in just a few clicks — enjoy easy access to your policy wording and let your cover renew automatically for continuous protection.
Get instant quotes and secure your policy in just a few clicks — enjoy easy access to your policy wording and let your cover renew automatically for continuous protection.
Access all your policies anytime through the app. Everything is digital with no paperwork including filing a claim.
Provide description of what happened and submit a policy report for covered loss or repair estimation/quotation for covered damage on the KoverNow app
Our underwriting partner may ask for further information and documentation to investigate your claim via email
Once your claim is finalized, you will receive the compensation for the agreed value of your item
Home and travel insurance often have gaps for high-value items.
See why KoverNow offers smarter, more flexible protection.
We base your premiums on the current market value and any additional information you provide. Because the value of items may change over time, you might see a drop or rise in the premium at renewal. This just means the insurance cost is keeping up with your item’s current market value.
We base your premiums on the current market value and any additional information you provide. Because the value of items may change over time, you might see a drop or rise in the premium at renewal. This just means the insurance cost is keeping up with your item’s current market value.
For Watch, Jewellery and Handbag Insurance, minimum premium set by the underwriter may apply.
Download the KoverNow app and upload item details to get instant quotes. You will also need a receipt and/or valuation letter together with selfie(s) with the item as valid proof of ownership. Coverage kicks in right away after purchase.
Yes. You will need a receipt and/or valuation letter to insure your items as valid proof of ownership. If you do not have a receipt, you will have to acquire a valuation letter.
These documents are vital to ensure you receive the coverage and compensation you deserve in the event of a claim.
We specialize in items insurance tailored to protect each of your possessions based on their individual value and risk, offering global protection. Unlike Home Insurance, which typically imposes coverage limits for each item category, our policies are designed to accommodate the unique needs of luxury items that may appreciate in value. Relying on general Home Insurance could leave these high-value items underinsured in the event of loss, meaning if your item costs more than the limit, you won’t be able to replace it with a similar item. Additionally, Home Contents policies often bundle services that may not be necessary, potentially leading to higher premiums. With KoverNow, you ensure your premiums are affordable and your coverage is adequate with transparent policies.
We are available to all legal residents of Singapore of legal age, with access to SingPass:
No, our policies are structured for simplicity, so you do not need to worry about either.
Yes. We will send you a reminder of your latest invoice with the updated premium 3 days prior to the renewal date via email.
You can file a claim 24/7 in the KoverNow app by clicking “Make a Claim” in your policy tab. We will guide you through the rest of the short process there.
The underwriter of the policy will reach out to you via email should there be further investigation or documents needed.
The KoverNow app provides exceptional coverage for your items and trips as well as fully digital claims journey. Get free and instant quotes today.
