Written appraisal
Watch appraisal for estate, insurance, divorce and tax
Collectors trading among themselves go by auction results and dealer prices. A signed watch appraisal matters when you have to prove a value to someone else: heirs, an insurer, a court or a tax authority.
Inheritance and estates
Watches are often among the most valuable personal items in an estate, and their value is hard to judge for heirs. A written watch appraisal gives all heirs the same basis for a fair division and helps prevent disputes. Where inheritance tax applies, what usually counts is the market value on the date of death. The appraisal documents it for that date.
Insurance
Household policies often cover watches and jewellery only up to a low limit. After a theft or loss you must prove what was lost. An appraisal made beforehand, with photos, reference and serial number and a value, makes the claim much easier.
Divorce and separation
When shared property is divided, both sides need a value they can accept. An independent expert with no interest in buying the watch gives a neutral figure.
Gifts, donations and tax
Giving a watch to your children or donating it can have tax consequences, and the authorities may ask how the value was determined. Ask your tax adviser which requirements the appraisal must meet.
What the notarized signature means
The expert signs your appraisal in person before a notary. The notary confirms who signed it, so heirs, insurers and authorities know the appraisal really comes from the named expert. The notarization refers to the signature, not to the value: the value is the expert's professional opinion.
How a watch appraisal works
Start with a free estimate from photos. If it points to real value, order the written appraisal: fixed prices from CHF/EUR 290, never a percentage of the value. See prices.
Frequently asked questions
Is a free online estimate enough for an estate or insurance?
No. It helps you decide whether a watch matters, but heirs, insurers and authorities expect a written, signed appraisal.
Does the notary confirm the value?
No. The notary confirms the identity of the expert and that the expert signed personally. The value is the expert's professional opinion.
Is an appraisal the same as an authentication?
No. An authentication by the brand or a watchmaker checks whether the watch and its parts are genuine. An appraisal states a value for a purpose and a date.
Find out what your watch is worth
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