You have a jewellery insurance but what if anything happens to you?
Don't forget to arrange a travel insurance if you go abroad. Anything can happen on your holidays. If you travel more frequently, annual travel insurance will pay off.
A household insurance is valid in Czech Republic only and covers damages that happened in the insured property. It does not include insurance for damages by careless treatment (it usually covers only thefts). Moreover, the deductibles are quite high.
The insurance does not apply to damages caused by wearing down, water, dust, sand or other mechanical particles and also to damages that are covered by manufacturer/seller warranty. See Article 4 of Special insurance terms and conditions for the complete list of the exclusions.
Make a claim on-line. Choose "Hodinky a šperky" (Watches and jewellery) in "Volnočasové aktivity" (Leisure) section. Don't forget to attach the essential documents - insurance policy, invoice for the watches/jewellery or its repair, a police report or flight ticket and boarding/luggage ticket (in case of loss during air transport).
Arrange the individual insurance of your jewellery or watches that applies to thefts as well as to careless treatment or any other mechanical damage. We will cover the expenses for new ones in case of an insured event in the Czech Republic or abroad. We settle the claims within 7 working days, you just have to fill in the on-line form. Disregard the age of your jewellery or watches, we will give you a voucher for new one.
The insurance can be concluded exclusively at our partner shops.
What does the insurance cover
- damages, destructions or thefts resulting from burglaries, robberies or vandalism that were confirmed by police
- damages or destructions caused by careless treatment – dropping, shock etc. (mechanical damage)
- damages caused by natural disaster, smoke, overvoltage, undervoltage or malfunction of the sprinkler system
The insurance benefit is always deducted by 10 % of the price of the jewellery/watches (at least CZK 300). If they were damaged or destroyed by careless treatment, the deductible is 20 %.
|Insurance Coverage Limits|
|Maximum sum insured for one item||CZK 150 000|
|Maximum sum insured for a set||CZK 200 000|
|Deductible on all insured events excluding damage or destruction by careless treatment||10% (min. CZK 300)|
|Deductible in the event of damage or destruction by careless treatment||20% (min. CZK 300)|
|Area of cover||worldwide|
|Price of the watches/jewellery in CZK||Premium for 1 year||Premium for 2 years|
|up to 2 500||CZK 230||CZK 390|
|up to 5 000||CZK 290||CZK 440|
|up to 7 500||CZK 390||CZK 590|
|up to 10 000||CZK 540||CZK 790|
|up to 15 000||CZK 790||CZK 1 290|
|up to 20 000||CZK 1 190||CZK 1 790|
|up to 25 000||CZK 1 490||CZK 2 290|
|up to 35 000||CZK 1 990||CZK 2 990|
|up to 50 000||CZK 2 390||CZK 3 890|
|up to 75 000||CZK 3 490||CZK 5 590|
|up to 100 000||CZK 4 990||CZK 7 890|