Claiming insurance on a £1000+ watch?

Se7ven

Se7ven

Se7ven

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7 Nov 2009
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1,472
Hey guys,

Last night I lost my Rado watch when I was out to dinner with the girlfriend, luckily I still have insurance.

I need to phone them later to make a claim, my question is has anyone done this before?

What do they ask, what is involved? The place was very busy and I am not sure when it fell off and I already phoned the place when I got home they said nobody handed a watch in.

Just want to know roughly the process and how long it takes.

Thanks :)

PLEASE NO LAME COMMENTS ABOUT PAYING 1K+ FOR A WATCH -_-
 
did you have salmon at the restauraunt because this sounds a bit fishy to me? how do you lose a watch they are normally strapped securely to ones wrist
 
Mr. Anderson said:
If you took it off and left it on the table in a public restaurant I would guess your insurance might be void.
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why would I do that?

I have no idea how I did not notice it falling off apart from the place being very loud and busy, also one of the hinges on the watch was a bit loose and I often had to click it back in.

scorchisio - it was obviously not "secure"

I have no reason to want to commit insurance fraud, I would rather have the watch - thats the reason I bought it.

but nobody has really answered my question?
 
i claimed 4k for one of mine after a burglary, got the cash in just under a month, only a slight premium increase too, it wasnt a declared item either, you should be fine i reckon
 
It depends if your insurance has a clause for covering expensive items outside the house - not all do, so you'll have to check.
 
should be alright, they may give you vouchers for one of the jewelers, have seen this a few times on the watch sites

get your self a nato strap with your next watch, that way when you lose a spring bar you don't loose the watch!
 
Will Gill said:
i claimed 4k for one of mine after a burglary, got the cash in just under a month, only a slight premium increase too, it wasnt a declared item either, you should be fine i reckon
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It all depends on your policy. Some would require things like £1000 watches to be named, others don't.

Also the limits are lower when it's items which are away from the house such as jewelry, cameras and watches.

Best thing the OP can do is get his policy out and check the procedures for claiming a lost item while away from his house.

That's the safest way and he will know then what is required from him for a successful claim. Who knows, they may require that the loss is reported to the police. Who's to say that a pickpocket didn't remove it from his wrist rather than it fell off?
 
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