Recently did some research on watch insurance in the UK as I was fed up with safe specifications, exclusions, etc so bit the bullet, paid a bit more but I think have the peace of mind I need without having to make the pieces so inaccessible that you don`t wear them.....

Dealt with a brokers called Stanhope and Toby was very helpful

I suppose proof of the pudding would be how a claim would go......but hopefully never!

Cheers