I'm thinking of starting up a watch rental business specialising in high end, rare watches. As these are high in value (up to £15000) I'll need them insuring while they are with the client.

I envisage the insurance cover to be a lot like that of a hire car company where watches are delivered with agreement of current condition with standard cover for loss, theft or damage with optional excess waiver.

The watches are stored in a safety deposit box at a bank so no additional cover is required for storage / office buildings etc.

I don’t know hire car insurance in depth and I’m far from an insurance expert so any advice / experiences welcomed.