Watch insurance, made easy.
Compare top insurers, pick your coverage, and get covered in minutes.
Start typing your watch’s reference number - we’ll take it from there.
- Compare in under a minute
- No calls unless you want one
- Licensed, vetted insurers only
One Search. Multiple Offers.
Don't settle for a single quote. Our comparison engine scans the industry's premier underwriters so you can evaluate rates, terms, and coverage options side-by-side. From theft and loss to extended mechanical warranties, you have total transparency.
3 Simple Steps to insuring your watch
PROFILE YOUR ASSET
Enter your watch details to instantly unlock tailored market options. No initial appraisals required.
CHOOSE YOUR COVERAGE
Compare bespoke insurance and specialized mechanical warranties side-by-side for total transparency.
PRIORITY ACCESS
Select a plan and finalize your coverage directly on the carrier’s secure checkout page in minutes.
AI-Powered Comparison
The Smart Compare
Single insurers limit you. We instantly scan multiple elite underwriters to find your most competitive match.
Pinpoint Accuracy
Our algorithm maps your exact reference to real-time market data for a perfectly tailored plan.
Exclusive Warranties
Beyond standard theft and loss, we unlock specialized mechanical breakdown warranties for complete grey-market protection.
60-Second Speed
Skip the paperwork. Enter your details once and secure your quote directly through our partners.
FAQ
No - AION is an independent comparison service. We match you with vetted, licensed insurers like Chubb, and the policy and any claim are handled directly by the insurer you choose.
Most homeowner's policies cap jewelry and watch coverage around $2,000–$5,000 combined, and often exclude mysterious disappearance. AION compares standalone policies that cover each piece at its full appraised value, so you can find protection that closes that gap.
Many of the policies we compare have zero deductible on covered claims - we'll flag which ones do before you choose so there's no surprise later.
Only if the policy you choose reflects the current value. We recommend an annual check-in, or an easy in-app update, so the coverage you compare keeps pace with the market and not just your original receipt.
For most pieces, a clear photo and the manufacturer's specs are enough to get matched with quotes. Rare or heavily modified pieces may need a short appraisal - we'll tell you upfront if an insurer requires one.
That depends on the insurer you choose. Most offer the option to buy the piece back at the amount paid out, or let the insurer keep it and keep your payout as-is. We'll show you each insurer's policy on this before you decide.