Expensive watches on boats.

[fredrussell]

For a long time I’ve hankered after an Omega Speedmaster. Its totally irrational and I don’t earn enough to buy one but the same could be said of me and boat ownership.
Does anyone know if losing one over the side of the boat would be covered by boat insurance? Obviously that’s a question for my insurer, but I’m just wondering if others have any experience of claiming on boat insurance for something like this.
I accept this is classic mid-life crisis behaviour, but at least it’s cheaper than a Porsche. I’ve just turned fifty and it’s either an expensive watch, an expensive guitar or standing rigging, and, much as I love my boat, the latter is not likely to win this race.
My feeling is that if I buy a watch instead of rigging, and my mast falls over, at least I’ll know exactly what time it happened.

 

[PCUK]

It will be covered on your home contents insurance.

 

[Zing]

It will be covered on your home contents insurance.

Will they not require proof that it actually dropped in? They made a fuss to see evidence my house was burgled and that I locked it properly with correct locks and that the police report number was obtained.

I don’t need that hassle and I wear a cheap one on the boat. It’s more accurate too.

 

[Aquanaught]

By all means buy your expensive watch but wear it only for evenings ashore etc. Have a cheap waterproof watch for daily wear as it's bound to get knocked about a bit and a smashed screen on a £30 watch is no hassle, but on an Omega???
Watches will be covered by an All Risks extension on your home insurance, and may need to be a specified item if the value exceeds the standard limit per item on your policy.

 

[PCUK]

I wear my Seamaster as my daily watch, otherwise there's little point in having it. (In my opinion). However, I always remove it along with my wedding ring when in the boat shed. I've had it for about thirty years now and it's had two bracelets and the biennial battery and reseal, plus a couple of services.

 

[PCUK]

Will they not require proof that it actually dropped in? They made a fuss to see evidence my house was burgled and that I locked it properly with correct locks and that the police report number was obtained.

I don’t need that hassle and I wear a cheap one on the boat. It’s more accurate too.

Of course they will want to check! By the way my Seamaster is totally accurate.

 

[geem]

Of course they will want to check! By the way my Seamaster is totally accurate.

I am very happy with my £10 water resistant watch. Tells the time and everything

 

[Minerva]

Had your Facebook feed been trying to sell you watches too?

most of my Facebook feed is outdoor sports and sailing forums/groups. A a result the algorithm thinks I must be in the market for either an Omega, Rolex or Breitling going by the incessant adverts…

 

[ridgy]

Get the watch bought lad, your new future is waiting for you:

 

[Geoff A]

I owned a Omega sea master,itwas insured under house insurance. It was writen off when I had a motorcycle accident. My opinion is if you own a nice watch wear it. Unless you have it as an investment.

 

[PCUK]

I am very happy with my £10 water resistant watch. Tells the time and everything

I am very happy for you.

 

[vyv_cox]

I once bought my only ever expensive pair of sunglasses in Frankfurt airport. Next day we were racing, hoisted the spinnaker which knocked them off into the sea . Now I use €10 ones and sometimes tie them on!

 

[fredrussell]

I am very happy with my £10 water resistant watch. Tells the time and everything

Peasant! You will never know the feeling of walking into a room and everyone knowing, just by glancing at your wristwatch, that you have more money than sense! Trouble is, at the rate I’m going, neither will I…

 

[davidej]

I wear my £12 Casio at sea or on my bike. I keep my really expensive stainless steel watch ( £100 Citizen) for other occasions .

 

[Mister E]

A long long time ago I bought an expensive watch. I always took it of when tinkering with the car.
I used to put it on the roof but usually forgot and drove off with it there.
I always remembered it after a while and went back to find it, I always did.

On day I remember having driven not far. So I reversed back to pick it up.


You can guess what happened yes I drove over it.

 

[geem]

Peasant! You will never know the feeling of walking into a room and everyone knowing, just by glancing at your wristwatch, that you have more money than sense! Trouble is, at the rate I’m going, neither will I…

I have an expensive gold watch that was my father's. I never wear it. The only time I put a watch on these days it when I go for a run. Most of the time I have a phone with me with a clock on it. I wear a cheap watch as I don't care if I break it. The last one cost £7.50. It lasted 4 years until the strap broke. I went for the expensive option this time, £10

 

[Graham376]

It will be covered on your home contents insurance.

That depends on how long you stay away, most policies have time limits for stuff out of the house, in our case only 30 days so I cancelled the all risks section.

 

[LadyInBed]

Which end of expensive are you thinking?
I've just googled Omega Speedmaster and they come up at £6k down to £400!
I was given a Suunto Core which I use on the boat, as it has a barometer, and was a couple of hundred when new. That's my end of expensive.

 

[srm]

I had a nice expensive watch once, when I was a lot younger and a lot more foolish.
One night laying a second anchor the watch was wiped off my wrist. I did dive to look for it a couple of days later but no sign of it. Since then I found a cheap digital watch worked just as well (with no sense of loss when I smashed the face) and was easier to read when taking sextant sights. Now I just use the clock over the chart table.

Peasant! You will never know the feeling of walking into a room and everyone knowing, just by glancing at your wristwatch, that you have more money than sense!

When I walk in to a room now people may notice, but probably won't, that my sense of self worth is such that I do not need a watch.

 

[Dellquay13]

I hankered after a Swiss made watch, automatic winding mechanical with a clear crystal back to show the ticky bits, and safe to swim in down to 1000ft.
It turned out to be less than perfectly watertight at the crown, and not particularly good at timekeeping, being mechanical.
I wear a £30 quartz watch now on the boat, with super luminous dial