Luxury Watch Insurance

Protection for your luxury watch with insurance that stands the test of time.

KoverNow is Coming to Hong Kong!

Get ready for smarter, seamless insurance with worldwide protection. All on the KoverNow APP.

Policy Features

All-Risk Protection

Your watches are covered for loss, damage and theft.

Precise Protection

Current market value cover for your timepieces so that your watches are always fully covered.

Automatic Revaluation

Instant revaluation at policy renewal so that your premium is always aligned with the watch’s current market value, no matter it appreciates or depreciates.

Annual Cover

Our policies are on an annual basis and are automatically renewed. You can cancel anytime 

Worldwide Coverage

Protected wherever you go, enjoy peace in mind while traveling.

Enhanced Valuation and Tracking

Ensuring your cherished timepieces are always fully covered

Precise Daily Valuations

Trust in our partnership with WatchCharts to seamlessly integrate accurate daily valuations for your timepieces. Confidently insure your watches, knowing their precise worth.

Value Tracking for Insured Watches

Unlock this feature on the KoverNow app by insuring your watch. Monitor the market value fluctuations of your watches, covering over 25,000 recognized models on our database.

WatchCharts is a premier authority in the watch market, providing trusted data to collectors and professionals worldwide (New York Times, The Guardian, Bloomberg, HODINKEE, etc.). Learn more

What Sets Us Apart

Why KoverNow Luxury Watch 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

Your watches, jewellery and handbags enjoy all-risk protection against loss, damage and theft.

Launching Soon: 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.

Manage Your Policies in One Place

You can add an item to insure or cancel your policy at any time. Your policy, your control!

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. 

More about Circles Group