CD Peacock × WonderCare Insurance
Insure Your Watches & Jewelry with WonderCare
Offered Through CD Peacock
Luxury timepieces and jewelry are more than accessories—they’re investments, heirlooms, and objects of passion. Through our partnership with WonderCare, clients of CD Peacock can protect their watches and jewelry with modern, high-value insurance built specifically for fine personal assets.
Coverage is powered by Chubb, a global leader in high-net-worth personal insurance.
What Is WonderCare?
WonderCare is a licensed insurance platform designed exclusively for insuring high-value personal property—most notably luxury watches and jewelry. The platform combines:
- Digital onboarding in minutes
- Transparent pricing
- Dedicated claims handling
- World-class underwriting through Chubb
WonderCare operates independently as a licensed insurance provider. CD Peacock does not sell or advise on insurance—our role is simply to introduce clients to a trusted protection solution.
Already Have Insurance or a Chubb Policy?
No problem. WonderCare policies can exist alongside:
- Existing homeowners or personal articles policies
- Current Chubb coverage
- Any other insurance arrangement
There is no conflict or restriction on holding multiple policies.
How Coverage Works
Simple, Digital Enrollment
Customers can activate coverage directly through WonderCare’s secure online flow:
- Enter basic watch details
- Receive a personalized quote instantly
- Activate coverage—no paperwork, no waiting
The entire process typically takes just a few minutes.
Ongoing Account Access
Once enrolled, policyholders can:
- View and manage their insured collection
- Add newly acquired watches and jewelry at any time
- Update personal details
- Submit claims digitally
Insuring High-Value Watches, Jewelry & Collections
WonderCare supports everything from a single watch or jewelry piece to substantial collections.
Additional requirements may apply for:
- Individual watches or jewelry pieces valued over $100,000
- Collections exceeding $200,000
In these cases, WonderCare may request:
- Proof of ownership (invoice or appraisal)
- Storage and security details
- Underwriting review
Once approved, coverage activates the same way as any standard policy.
Claims Experience
If a loss occurs, customers can file a claim directly through their WonderCare account. After submission:
- Chubb assigns a dedicated claims specialist
- The claims team works directly with the policyholder
- No back-and-forth through the retailer
This ensures a professional, white-glove claims experience.
What We Cannot Do
- Provide insurance advice or recommendations
- Discuss policy terms, exclusions, or claims eligibility
- Quote exact pricing for an individual customer
All insurance-related conversations are handled exclusively by WonderCare’s licensed team.
Pricing: What Clients Should Expect
While exact premiums vary, many policies average ~2% of the insured watch value annually.
Final pricing is determined automatically during WonderCare’s application process based on:
- Watch details
- Insured value
- Location and underwriting factors
For reference, WonderCare publishes benchmark estimates on its website.
Frequently Asked Questions About Insuring Your Watches & Jewelry
Why shouldn’t I rely on my homeowners or renters insurance?
Most homeowners and renters policies were not designed for luxury watches and jewelry. Common limitations include:
- Low sub-limits for jewelry and watches (often $1,000–$2,500 total)
- Higher deductibles that reduce or eliminate payouts
- Limited covered causes of loss (theft may be covered, accidental damage often isn’t)
- Claims impacting your primary home policy, which can affect future premiums or renewal
WonderCare policies are standalone, watch-specific coverage, meaning:
- Your home policy remains untouched
- Coverage is tailored to high-value timepieces
- Claims are handled independently through Chubb
What types of losses are typically covered?
While exact terms vary by policy, WonderCare coverage is designed to protect against real-world watch risks, including:
- Theft
- Accidental damage
- Loss (including mysterious disappearance)
- Damage while traveling or wearing the watch
Full coverage details are provided during the WonderCare application and policy issuance.
Is my watch covered outside the United States?
Yes. WonderCare policies offer worldwide coverage.
Your watch remains protected whether you are:
- Traveling internationally
- Wearing it abroad
- Shipping it for service or repair
There are no country-specific restrictions for normal travel use.
Do I need an appraisal to get coverage?
In many cases, no appraisal is required.
- Recently purchased watches or jewelry can often be insured using the purchase invoice
- Higher-value watches, jewelry, or collections may require an appraisal or additional documentation
- WonderCare will clearly indicate what’s needed during enrollment
What if I buy another watch later?
You don’t need to start over.
Policyholders can:
- Log into their WonderCare dashboard
- Add new watches or jewelry to their collection at any time
- Receive updated pricing instantly
This is especially useful for collectors who add pieces throughout the year.
Will filing a claim increase my homeowners insurance premiums?
No.
Because WonderCare policies are separate from your homeowners or renters insurance, any claim filed:
- Does not impact your home insurance history
- Does not affect your home insurance premiums
- Is handled directly by Chubb’s dedicated claims team
This separation is one of the primary reasons collectors choose specialized coverage.
How does pricing typically work?
Premiums vary based on the watch and location, but many policies average around:
- ~2% of the insured value per year
Final pricing is calculated automatically based on:
- Declared watch value
- Geographic factors
- Underwriting considerations
Exact pricing is always shown before coverage is activated.
Is depreciation applied if I file a claim?
No depreciation is applied for covered losses.
Policies are structured so that claims are settled based on the insured value and applicable policy terms—not depreciated market estimates commonly found in generic policies.
Who handles claims if something happens?
Claims are handled directly by Chubb, one of the world’s most respected insurers for high-value personal assets.
The process typically includes:
- Digital claim submission through WonderCare
- Assignment of a dedicated claims specialist
- Direct communication between you and the claims team
There is no need to involve the retailer after purchase.
Does CD Peacock sell or advise on insurance?
No.
CD Peacock does not sell, quote, or advise on insurance. Insurance services are provided exclusively by WonderCare and its licensed professionals.
CD Peacock’s role is limited to:
- Educating clients on the importance of protecting their timepieces
- Introducing WonderCare as an available option
Where can I get official answers about coverage details?
For authoritative guidance, clients should reference:
- The WonderCare website
- The in-platform FAQ and chat support
- WonderCare’s licensed support team