Hail damage? Storm damage?
From your gold wedding band or grandpa’s antique pocket watch to a diamond necklace. Whether it’s lost, stolen, or damaged. We insure your precious favorite pieces at their new-for-old value – at home, as well as during trips or on vacation abroad.
You insure your jewelry and watches with us as part of your valuables insurance. This allows you to benefit from key advantages:
Our valuables insurance covers your jewelry and watches against the following risks:
You can find more detailed information in our General Insurance Conditions (GIC) “Valuables”.
We assume the costs of repairing or replacing your watch or jewelry item if it is lost, damaged, or stolen.
In the event of theft or burglary, we will pay you the replacement price at the time of the loss event, up to a maximum of the sum insured specified in the policy for the individual item.
Yes, with valuables insurance you can insure a single piece of jewelry or a watch – regardless of whether the item is worth CHF 1,000 or CHF 100,000.
Yes, that is possible with AXA. You can take out our valuables insurance for watches & jewelry, as well as for musical instruments & art, on a stand-alone basis. You don't have to have household contents insurance with AXA.
Our valuables insurance is certainly well worth it for items dear to your heart. For example, insuring one watch worth CHF 5,000 costs just CHF 100 per year (based on the minimum premium).
With valuables insurance from AXA, you can ensure the right level of protection for your favorite pieces: Our all-risks insurance provides much higher coverage than household contents insurance. The latter only covers claims for valuables up to CHF 30,000. Damage or loss are not covered at all.
By contrast, watch and jewelry insurance comprehensively protects your favorite pieces against theft, loss, damage, or destruction – anywhere in the world.
For example: Burglars break into your house and steal watches and jewelry to a total value of CHF 50,000. Your household contents insurance only provides coverage up to CHF 30,000 for a burglary, so you would suffer a financial loss of CHF 20,000. With additional valuables insurance from AXA, you would receive the full amount in this scenario.
We assume the costs of repairing or replacing your valuables if they are lost, damaged, or stolen.
Items of jewelry with a combined value of over CHF 100,000 are only insured if they are being worn on the person or kept in a safe (either a vault built into the wall or a safe weighing over 100 kg).
In hotels, watches and jewelry that are not being worn must always be kept in the hotel safe.