Your watch can’t watch itself.

Protect your precious time pieces with the KoverNow App in minutes.

You work hard
for your watches.

A timepiece does not just tell time, it signifies much more. We understand you want to wear it and enjoy it not matter wherever you are and without the frustration of long insurance processes.

Kovernow puts you in control

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Fully Digital Process & Flexible Runtimes

Kovernow offers a door-to-door insurance service, from pricing to policy purchase and claims. Within our App you manage your policies anytime and anywhere. The minimum runtime is only 30 days. After this period you can either extend for another 30 days or cancel. 

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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. In the case of questions our customer service is there for you.

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Global Protection against Loss and Damage

Our Policies (underwritten by QBE Singapore) cover both loss and damage – globally. For your damaged watch you will be reimbursed for the repair cost, for lost watches you will be paid the agreed value. All claims are done within the app and after approval by our insurance partners you will get instantly re-imbursed.

Protect Your Watches, On-the-Go!

Upload your watch

Select your watch from our 35,000+ watch database to get the most accurate valuation and data.

Get your insurance quote

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

Purchase Kover

Simply pay the policy and it will automatically renew every month. Your watch is now protected and you can cancel anytime.

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.

Why Insure Your Luxury Goods?

We insure against loss and damage caused by events that involve you. So if you drop your watch by accident and it gets damaged, we take care of the cost of repair or replacement. In the unfortunate event that your watch is stolen, you will receive the actual value stated in the Vault.

In contrast to a warranty, which covers your watch for mechanical failure, 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
Watch Model Value (SGD) Monthly Premium (SGD)
Seiko Sharp Edged Series
(SPB 217)
2,086 8.75
Tudor Ranger
4,210 17.18
Omega Moonwatch Professional
10,600 42.42
Panerai Luminor Marina Carbotech
(PAM 01661)
20,500 81.58
Rolex GMT 2
29,083 115.52
Memberships & Certifications & Insurance Partners

Our watch insurances are underwritten by QBE Singapore. For customer identification (KYC) we use SingPass. This cooperation allows the secure capture of customer-specific data. Furthermore, KoverNow is SFA certified and subject to their regulations.

Insurance that
puts you first.

Download the KoverNow App to protect your watch today.

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