Watches, Insured the Way Collectors Actually Own Them.

WAX Collect translates collectibles insurance into something you already speak fluently: horology.

You didn't get into watches to talk about insurance. You got into watches because you understand that a movement can tell a story, a dial can stop time, and a perfectly finished bridge can make a grown adult tear up in a boutique at 11 in the morning on a Tuesday. We get it. So instead of asking you to decode policy language written by actuaries who have never once felt their pulse quicken over a tropical dial, WAX Collect was built to meet you on your terms.

The movement that runs your collection

The basics first. WAX Collect protects your collection against theft, accidental damage, fire, flooding, worldwide travel, and. Yes. Pets. Because someone's labrador has, at some point, chewed through a NATO strap with a Submariner attached to it, and that story ends badly without coverage.

Standard coverage is the base movement. WAX Flex™, our modular policy engine, is what happens when you start personalizing the complications.

Lever one, your optional complications

Most insurers hand you a single, fixed configuration. Like buying a watch from a gray-market dealer who won't let you see the case back: here's the policy, here's the premium, goodbye. WAX Flex™ works like an in-house manufacture building to order. Two optional complications, you decide exactly which ones belong on your dial.

Checked Baggage Coverage

Extends protection to items lost or damaged in airline baggage handling. If you'd no sooner check a Lange 1 than wear a quartz watch to Basel, easy remove. If you move pieces across continents, toggle it on and rest easy at the carousel.

Unattended Auto Coverage

Protects pieces left in an unattended vehicle. You know the drill, you're at a watch show, you've bought more than you planned (as one does), and you're making three trips to the car. Toggle accordingly. Your premium adjusts the instant you do.

Want Mysterious Disappearance? It's included as standard on WAX Classic™.

Lever two, your power reserve

Every other specialty insurer in this space locks every policy at 150% agreed value. Insure a piece at $60,000 and you can claim up to $90,000 to account for market appreciation, whether your collecting philosophy calls for it or not.

WAX Flex™ gives you three settings:

100%. Covered at agreed value. You agreed to $60,000, you receive $60,000. Like a time-only on a leather strap: it does exactly what it says and nothing more.

125%. Up to 125% above agreed value if the market has moved. Subject to the class limit. Smart for references with steady, trackable appreciation.

150%. Full market appreciation protection, up to 150% above agreed value. Subject to the class limit. The perpetual calendar with a leap year indicator: it accounts for everything, no manual adjustment required.

For collectors who care more about theft and physical damage than market speculation, dialing down from 150% reduces your annual premium without touching the coverage that matters most.

Lever three, the multi-category discount

The more categories of collectibles you bring to WAX Collect, the better your rate gets. Automatically. One category is your base rate. Add a second and you earn a discount. Add a third and the discount gets larger. No phone calls, no forms, no explaining to an account manager why you deserve better pricing. The moment you add a category, your total premium adjusts in real time.

It's how WAX Collect recognizes that the person who collects watches, rare sneakers, and trading cards isn't three separate policyholders, they're one serious collector who deserves one properly structured rate.

The rest of the dial

Agreed value, guaranteed. The number you agreed to, paid in full at total loss. Not an adjuster's estimate of what your tropical-dialed Submariner is worth this morning.

$0 deductible in most U.S. states. When something goes wrong, you shouldn't be running mental math on out-of-pocket costs.

90 days of newly acquired coverage. Hit the button on a grail at 2am after a three-week hunt and you're covered automatically while you update your policy.