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Insure Your Passion

Built for collectors with specialized coverage. Luxury is in the details and so is KoverNow Insurance.  

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Insure Your Passion

Built for collectors with specialized coverage. Luxury is in the details and so is KoverNow Insurance.

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Our Products

Fully digital insurance for luxury items and collectibles

Luxury Watch Insurance

Protect your timepiece with the most comprehensive insurance in the market

Jewellery Insurance

Secure the sparkle with tailored protection

Handbag Insurance

Insure your designer handbag collection with no hassle

What Sets Us Apart

Why KoverNow Insurance is great for you

Instant Quotes

You can get personalized quotes within minutes on the KoverNow app and your policy kicks in right away.

Worldwide Coverage

Wherever you are, your beloved pieces are protected. Just travel and relax.

Zero Deductible

In an event of loss, there is no deductible so don't worry about it.

Investment Protection

Enjoy high-limit cover with all-risk protection that home policies cannot provide.

Why KoverNow

Collecting luxury pieces is a passion and insuring them shouldn’t be a hassle. At KoverNow, we’ve completely reimagined insurance to be as effortless as it is secure. Partnering with top-tier insurers, we provide comprehensive coverage without the headaches of traditional policies. No more endless paperwork or confusing terms—just quick, simple protection for your cherished items.

The KoverNow App

Quick Setup

Simply take a photo of your item, upload it together with the receipt(s) and selfie(s) with item to the app, you will get a quote instantly.

24/7 Claims

Unexpected events happen at unexpected times. You can always file a claim on our app anytime, anywhere.

Automatic Revaluation

The only app that offers revaluation upon policy renewal, ensuring your luxury pieces are fully covered always with a fair premium.

Flexible Policy

Collections tend to grow, so your policy can be adjusted to include any additions to your collection.

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Their words, Not Ours

Hear from KoverNow users in Singapore

KoverNow’s app makes insuring my valuables effortless. From adding items to buying policies, it’s all done in minutes. Love it!
Shu Ling Tan
Shu Ling Tan
My luxury watch feels safer than ever with KoverNow. Knowing it’s protected against damage and theft is priceless.
James Carter
James Carter
KoverNow lets me wear my favorite jewellery with confidence. Their instant quotes and flexible coverage are perfect for my lifestyle.
Joanne Lim
Joanne Lim
I had to make a claim, and KoverNow’s process was so simple and fast. Highly recommend for peace of mind!
Terrence Chan
Terrence Chan
The customer sevice team is amazing. They guided me through every step of insuring my handbag. Fantastic service.
Clara Wong
Clara Wong
Policies are straightforward and comprehensive. A must-have for luxury item owners.
Kelvin Ong
Kelvin Ong
I never knew insurance could be this user-friendly. KoverNow has set a new standard!
Mei Ying Chua
Mei Ying Chua
The Vault feature is genius! All my insured items are stored neatly in one place. It’s so convenient.
Benjamin Chan
Benjamin Chan
Aristo Watch x KoverNow
KoverNow has partnered with Aristo Watch to offer Hong Kong's 1st luxury watch digital insurance
Read more
Aristo Watch x KoverNow
KoverNow has partnered with Aristo Watch to offer Hong Kong's 1st luxury watch digital insurance
Read more

Latest on the KoverNow Blog

KoverNow X Aristo Watch: Introducing Hong Kong’s 1st Luxury Watch Digital Insurance

We're thrilled to announce our groundbreaking partnership with Aristo Watch, one of Hong Kong’s premier luxury watch retailers, introducing the city's first fully digital luxury watch insurance solution.
Read more

KoverNow Hong Kong App: Now Available on iOS and Android

Great news for luxury collectors in Hong Kong—KoverNow has officially launched its digital insurance platform on both iOS and Android, making it easier than ever to protect luxury items and
Read more
KoverNow Hong Kong app is now available on iOS

KoverNow in Hong Kong: Now Available on iOS – Digital Insurance for Luxury Items and Collectibles

KoverNow is excited to announce the launch of its fully digital insurance platform on iOS in Hong Kong. Built for collectors with specialized coverage, the app provides seamless insurance solutions
Read more

Hong Kong’s wealthy and digitalised buyers set global standards

Hong Kong is proving to be a magnet destination for the world’s top auction houses. Christie’s is moving its regional HQ to the new Henderson skyscraper this month, while Sotheby’s,
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From Singapore to Hong Kong – protecting the crown jewels of luxury shopping

Singapore has long been associated with luxury, and the market for high end goods continues to thrive. According to Mordor Intelligence, the market is projected to register a CAGR of
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KoverNow celebrates admission into Cyberport Incubation Programme

KoverNow has been accepted into Hong Kong’s digital technology flagship and key incubator, Cyberport.
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Underwritten by Leading Insurance Provider

Circles Group is a specialist insurance provider with more than 12 years of experience in dealing with a range of insurance products specifically designed to cover risks which are not generally catered for in the Hong Kong insurance industry. 

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Partners & Credentials

© Copyright 2025 KoverNow (Hong Kong) Limited

KoverNow (Hong Kong) Limited (License No. GA1069) is registered in accordance with the Insurance Companies Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency for distribution of insurance products in Hong Kong.