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The Watch Appreciation Thread (Reviews and Photos of Men's Timepieces by Rolex, Patek Philippe, Brei

Discussion in 'Classic Menswear' started by gdl203, May 20, 2007.

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  1. Dino944

    Dino944 Senior member

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    I don't use State Farm, so I have no experience with what they will or won't allow you to do. Call and ask them if they will let you insure it for less. As long as you understand that it will only be insured up to maximum stated value that you chose, I don't see why they would have a problem with that. However, if they insist on an appraisal, bring it to a respected watch shop and get a more accurate appraisal. That way you aren't paying a premium well above what the watch is truly worth if you would simply replace it with another watch of the same age and condition, should something happen to it.
     
  2. Dino944

    Dino944 Senior member

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    I'm no fan of insurance companies either, but its important to do your homework and get it through a company with a solid reputation. I work in an industry that deals with insurance companies all the time. I can tell you that they are NOT all the same. There are some auto companies I would avoid like the plague.

    Back to your question, "Why in the hell are you paying a premium of $X per hundred/thousand of the insured amount?" Because it goes back to the old saying, "He who has the gold, makes the rules." Insurance is an option, not a right. They can simply say if you don't like how we assess a premium you don't have to get insurance. They all seem to charge $X per hundred/thousand of value you are insuring, so there is little choice. Its definitely rigged in their favor, however your only other option is to be under insured or go without insurance.
     
  3. Kaplan

    Kaplan Senior member

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    :)

    On a more serious note, how do you like the matte clasp innards compared to the polished ones on the Datejust II?
     
    1 person likes this.
  4. in stitches

    in stitches Senior member Moderator

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    I hear you, Dino. I just think that since they are more than capable of assessing the value after the fact, they should be willing to do the same before the fact l, so that you are paying an amount that is commensurate to what you're actually being covered for.
     
  5. tigerpac

    tigerpac Senior member

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    In re insurance: I got a quote from jewelers mutual (they came recommended) but it was 1.6% of value. Would be fine with the 1.1 or 1.2 everybody told me it would be before I actually got the quote, but 1.6... ehhhh
     
  6. Dino944

    Dino944 Senior member

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    Never used them, but I heard they are a good company to deal with. As for 1.1 vs 1.6...the number I gave you was what I was quoted years ago. It could have changed since then. I really haven't checked to see if they or others have raised the premium. The other thing to consider, is with some companies once the value is more than a certain amount, the premium/percentage could be higher. Do some homework before you decide. However, I wouldn't own really nice watches without insurance to cover them... its too risky. IIRC, Derek had his place broken into years ago and had several Rolex and PAMs stolen.
     
  7. tigerpac

    tigerpac Senior member

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    I hear that!

    Also location plays a role in it. Just had my hopes up before I looked lol oh well. Like you said, its a good idea to do something
     
  8. Mr. Moo

    Mr. Moo Senior member

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    That's pretty good, actually.
     
  9. gopherblue

    gopherblue Senior member

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    I recommend Chubb's Masterpiece coverage. Spendier than most, but worth it. Very comprehensive coverage. I live in NYC, and with no car I couldn't get auto liability insurance since I can't get car insurance without a car. No matter. My coverage includes $5mm of umbrella liability, which is good worldwide...including for car accidents. As for watches....the policy came with $25K (per incident) coverage for watches/jewelry. Not separately scheduled, so no appraisal needed.

    Now, will someone offer some additional thoughts on whether I should get the JLC perpetual ultrathin in steel or white gold? With the discount and VAT refund, the WG version is within spitting distance of the RRP on the boutique-only steel version.
     
    Last edited: Jan 22, 2015
  10. BostonHedonist

    BostonHedonist Senior member

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    The moonphase fetish continues. I had been thinking I'd like a moonphase for a dress watch. However, I only wear suits for fun. So perhaps the answer is to push the creative license a bit...

    Thoughts on this piece?

    [​IMG]
    [​IMG]
    Schaumburg Perpetual MooN meteorite
     
    Last edited: Jan 22, 2015
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  11. scottcw

    scottcw Senior member

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    Last edited: Jan 22, 2015
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  12. Journeyman

    Journeyman Senior member

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    At the risk of sounding pedantic (but this is StyleForum, after all), that's not bas-relief, as the crown is sunken, rather than raised up from the background. It's sunk relief.
     
  13. BostonHedonist

    BostonHedonist Senior member

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    My first response was "What on earth am I looking at?" But it is quite an intriguing little work of art, isn't it...
     
  14. Krish the Fish

    Krish the Fish Senior member

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    I think it's time for me to buy that Seamaster (2254.50) that I want... Anyone have any suggestions on the best way to find a good one that isn't overpriced? And where should I look for one? Forums? Dealers?

    Any help or tips would be greatly appreciated. Thanks!
     
  15. scottcw

    scottcw Senior member

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    I think the entire line of OuJ watches are amazing. I own the annual calendar myself.
     
  16. Belligero

    Belligero Senior member

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    My bad, not Dino's. I was writing rather quickly yesterday. :p

    I do appreciate the correction that Kaplan and you provided. :)

    [​IMG]
     
  17. ~ B ~

    ~ B ~ Senior member

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    Experimenting with macro...

    [​IMG]
     
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  18. Belligero

    Belligero Senior member

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    I don't have a DJ clasp for comparison, but it has the same internal deployant componentry as my 116520 and 116600. They're identical apart from the finish.

    [​IMG]

    [​IMG]

    The bead-blasted is a little less grippy against the wrist than the polished; that's about the only difference I can tell. Either works. :)
     
    Last edited: Jan 23, 2015
  19. Kaplan

    Kaplan Senior member

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    ^ I didn't even think there could be a difference in how they wear - less grippy sounds good I guess?

    I was purely thinking of aesthetics, as to me the matte looks noticeably worse than the polished (I do greatly prefer the all brushed bracelet though). Somehow, the polished clasp looks like a natural continuation of the stamped clasp I'm used to, while the bead blasted one kinda looks cheap to me - a little like 'silver' painted plastic, IYKWIM. My local AD described it as an attempt by Rolex to differentiate the watches, as if the ones with the polished clasp were 'better'. Don't know if he made that up himself, or if that's the official explanation. Either way, it's obviously a very minor thing, as it'll be hidden when worn :)
     
    Last edited: Jan 23, 2015
  20. BostonHedonist

    BostonHedonist Senior member

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    I've been looking into them and I'm very impressed with OuJ. I particularly resonate with their desire to create the simplest movements possible to produce the required data at your wrist.

    Would you mind sharing a picture of your Annual Calendar?
     
    Last edited: Jan 23, 2015
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