zOwie Omega Discussion Forum

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Re: Insurance.

In Response To: Re: Insurance. ()

: authorized dealer, most will provide you
: with a free appriasal that you can simply
: fax/mail to your insurance agent.

Right. While it may seem inane to get an appraisal of a watch you just bought new, there is a reason. You will likely have paid *less* than retail. But for insurance purposes, the appraisals are normally at the retail price.

That is because of two reasons. One is that there is no guarantee what discount off retail would be available at the time you may have to replace the watch. The other is that this gives you some protection against price increases--you'll have less paperwork and negotiation if the watch can still be replaced for no more than the appraisal amount.

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