The cover you need
An insurance valuation helps you ensure you obtain the level of cover you require. If you insure your watch for too little, any future claim could be declined. Equally, over-insuring your watch means you’ll be paying excessively high premiums, and insurance companies are understandably wary of inflated valuations. Looking further ahead, you may also need an insurance valuation when you come to sell your watch, or for probate purposes.