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Seguro para relógios e joias de luxo na Marcolino

Insurance

Complete protection for your luxury watches and jewelry

Protect what is already yours: theft with violence, accidental damage and worldwide cover. Even if the piece was not bought at Marcolino.

1 or 3 years choose the duration

€1 to €75,000 value of the piece

Worldwide wherever you are

Estimate premium No commitment

Tipo de Peça

Valor da Peça

Pieces from €1 to €75,000.

Duração

0,00€

Premium 1 year · renews automatically

Talk to the team

We reply on WhatsApp during store hours ·

Indicative value, subject to validation. Documentation for the piece is required (invoice, certificate or warranty) and, in some cases, the piece must be presented in store.

Theft and accidental damage Robbery, break-ins, drops and impacts

Worldwide cover Except countries under international sanctions

Any brand You do not need to have bought it from us

Repair or replacement In case of a claim, you are not left without your piece

Cover

Tailor-made protection for your assets

Every watch and piece of jewelry has unique value, both financially and sentimentally. That's why we offer flexible coverage options so you can choose the protection that best suits your needs. From theft and robbery to accidental damage, we guarantee complete security for your luxury goods.

Preserve the value and exclusivity of your watch with specialized coverage against theft, losses, and unexpected events.

Watch Coverage

Theft, drops and the unexpected, at home and away.

Jewelry Coverage

Theft, loss and damage, for complete peace of mind.

Conditions

What is covered and what is not

The essentials of the policy, side by side. The full conditions are in the official document.

Covered

Theft with violence
Robbery while wearing or carrying the piece.
Break-in at home
Main or occasional residence, in the latter case while you are present.
Theft in a hotel
Provided the piece is in the safe and the key is kept outside the room.
Accidental damage
Drops, impacts and other external, sudden and unforeseen causes.
Fire, lightning or explosion
In the main or occasional dwelling.
Shipping and return
Between the store and your home, including the return within the legal period.

In case of a claim: repair or replacement of the piece.

Not covered

Pickpocketing
Pickpockets and disappearance without violence.
Loss, misplacement or breakage alone
Including partial disappearance of the piece.
Unattended piece
Left unattended outside the situations covered.
Damage on the jeweller's premises
While the piece is in the workshop's care.
Intent or negligence
By the owner or by those living with them.
Altered certificates
Or with incomplete data that prevents valuing the piece.

See Conditions →

Step by step

How it works?

From request to certificate, without the hassle.

Como funciona o seguro de relógios e joias

Step 01

Request Your Quote

Fill out the form with your product details.

Step 02

Activate your insurance

Receive a personalized, no-obligation proposal.

Step 03

Enjoy Your Protection

Guaranteed total security for your luxury goods.

To issue the policy we need the invoice, certificate or warranty for the piece. Depending on the case, the piece may need to be presented at a Marcolino store for validation.

What it costs

Sort it once. It renews on its own.

The premium is paid at the start of the period, using the method you prefer. At the end, the policy renews automatically so you are never left uncovered. If you want to stop, cancel whenever you like.

Valor da Peça	1 year	3 years
2 500 €	87,50 €	225,00 € 75 €/year
5 000 €	175,00 €	450,00 € 150 €/year
10 000 €	350,00 €	900,00 € 300 €/year
25 000 €	875,00 €	2 250,00 € 750 €/year

Several payment methods

Automatic renewal by direct debit

Cancel whenever you like

The premium depends on the declared value of the piece, validated by our team. Choosing 3 years costs less per year and spaces out renewals.

Estimate for my piece

Watches and jewellery

Insurance for luxury watches and for your jewellery

An everyday watch and a family ring face different risks, but deserve the same protection. Insure each piece for its own value, one by one.

Protect your jewelry

Mantenha as suas joias valiosas protegidas contra roubo, perda e danos, para total tranquilidade.

Collection

Private watch collections

Uma coleção não se segura como uma peça avulsa. O limite de indemnização aplica-se a cada um e a todos os artigos, e não como um valor acumulado que se esgota. A apólice é subscrita à medida, a partir da lista de peças e da respetiva avaliação.

Limit per article

The indemnity limit applies to each and every article in the collection. It is not a single allowance shared across the set.

All risks

Covers physical loss and damage from all risks not excluded, with separate sums insured for a bank vault, a home safe, pieces outside the safe and personal use worldwide.

Underwritten individually

There is no automatic quote: we start from a questionnaire and the valuation of the pieces. Proof of prior existence and value is required for each article.

A apólice é anual renovável. Os capitais seguros, a franquia e as condições de segurança, como a guarda em cofre fechado quando a residência está desocupada, são fixados caso a caso nas condições particulares.

Talk to the team Talk to us in store

Seguro Marcolino

Frequently Asked Questions

Have questions? We'll answer!

What is Marcolino Insurance?

It's an insurance policy that protects your watch or jewelry against theft with violence and accidental damage, offering peace of mind at any time.

What pieces can I insure?

Watches and jewelry between €1 and €75,000, new or previously purchased. Even if they were not purchased at Marcolino, they can be included (upon presentation in store).

What situations are covered?

Robbery with violence (assault);
Home burglary with forced entry;
Robbery in hotels, provided the item is kept in a safe;
Accidental damage (falls, impacts, accidental shock);
Fire, lightning or explosion in the main dwelling.

Is the insurance valid worldwide?

Yes. Marcolino Insurance has international coverage, except in countries under international sanctions.

Is there an excess to pay?

Pieces up to €500 have no excess. Above €501, the excess is 10% of the claim, capped at €200.

How is the claim settled?

The policy provides for the repair or the replacement of the piece. Under no circumstances is any cash indemnity paid to the beneficiary.

In the event of accidental damage, repair of the piece is assured. In the event of total loss, replacement by an identical piece, or by one of equivalent sum insured, is assured. Where the piece is not available, the beneficiary may apply the sum insured towards the purchase of other items at Marcolino stores.

The limit of indemnity corresponds, in all cases, to the sum insured.

Can I cancel the insurance whenever I want?

Yes. Renewal is automatic by direct debit, but you only need to ask us not to renew it and it will not be renewed, at no cost.

A period already paid for is not refunded: cover remains in force until the end of that period.