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We love bags.

Worried about taking your vintage handbag out for dinner? Why not insure your favorite piece against damage and loss and enjoy the night out? It’s a Birkin and not a handbag after all.

Fashion statement with confidence.

Hours of talking to salespeople, dozens of different forms to fill, opaque pricing with inflexible long contracts are making you confused and frustrated. Don’t let the joy of owning luxury bags be tainted with paperwork -You should have control over this.

Kovernow puts you in control

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Fully Digital Process

Kovernow offers a door-to-door insurance service, from pricing to policy purchase and claims. Do it completely digitally on our mobile app.

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Transparent & Instant Quote

Just add some basic information on your watch and we will provide an instant premium quote. Your premium will be updated monthly based on the latest valuation of your watch, so you will always be insured for the right amount.

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Protection for Loss and Damage

Our Policies (underwritten by QBE Singapore) cover both loss and damage. For your damaged watch you will be reimbursed for the repair cost, for lost watches you will be paid the agreed value.

You deserve to
flaunt that bag.

You’ve made the plunge and rewarded yourself with that bag. Now flaunt it to the world! We understand you want to enjoy using it without the frustration of long insurance processes.

With Kovernow:
  • A database of bag prices (updated daily!) for accurate valuation points
  • All processes are completely digital
  • In-app support​

Protect your luxury bag quickly and easily with Kovernow

Upload your bag

Select your bag from our luxury bag database to get the most accurate valuation and data.

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Get your insurance quote

Your monthly quote is based on your bag’s current market valuation. That way you will never be over- or underinsured.

Purchase Kover
Simply pay the policy and it will automatically renew every month. Your bag is now protected and you can cancel anytime.
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Making a claim has never been simpler.

You may conveniently claim through our in-app claims module. All we require is a description of events that transpired and possibly supporting documents which you can upload via the app.

Your policy reprices every 30 days to adjust to market value. You can cancel it at any point in time if you no longer need coverage.

What do we insure?

We insure against loss and damage caused by events that involve you. So if you drop your bag by accident and it gets damaged, we take care of the cost of repair or replacement. In the unfortunate event that your bag is stolen, you will receive the actual value stated in the Vault. In contrast to a warranty, which covers your bag for manufacturing defects, we cover events that involve you. Home contents cover is limited to your home and is not all risk. These home policies typically come with deductibles and caps on value of personal effects.
Home Insurance
Global Cover
No Appraisal
No Deductibles
Mechanical Failure
Only at home + Deductible
& Cap
Not always
if bag is more than cap
Example Pricing Table
Bag Model Value (SGD) Monthly Premium (SGD)
Prada Top Handle Tote Militare 3,200 6.48
Louis Vuitton Virgil Abloh Black 9,189 17.65
Chanel Black Quilted Caviar Medium Classic Double Flap Gold Hardware 16,258 30.84
Hermes Black Togo Birkin 35 Palladium 26,852 50.60
Hermes Vert Cypress Clemency Kelly 28 31,795 59.82

Whether you are a luxury bag collector or looking to protect your first luxury purchase, we are here to help.

Most homeowners’ policies are designed to protect your home contents only and typically exclude or limit luxury bag coverage. So, if your bag costs more than the coverage limits, you will not be able to fully recover any loss.

KoverNow Digital Insurance, underwritten by QBE, provides “all-risk” cover for most cases of loss (no deductible) and damage so that you can protect your luxury bags easily and experience the joy of using them wherever you are.

Memberships & Certifications & Insurance Partners

Insurance that
puts you first.

Download the KoverNow App to protect your bag today.

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