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In the world of luxury product acquisition, there are few things more distressing to the mind of a passionate collector than the thought of harm coming to their valued possessions. Yes, nothing in this realm can hold a candle to health or the well-being of one’s loved ones, but these small treasures, often rare or unique (and certainly expensive) hold a special place in the heart of one who has dedicated their time and effort to make them theirs.I am often asked if it is important to insure a collection of used luxury watches. In fact, I am asked it more often then makes conscionable sense to me, because the answer is simple: Yes, yes you should. And more to the point, if you own a luxury watch like a Rolex Submariner (let alone if you own numerous luxury watches) and you’re asking that question, you should save your breath for the insurance provider on the other end of the phone.And that’s really the best place to start. In this digital age, it seems we’ve all become a bit interaction-shy, but with a complex and potentially serious situation like making an insurance claim, it is always best to have set-up your policy having talked directly to another human being – an expert in their field. You really should leave nothing to chance. Don’t be afraid to ask stupid questions – insurance is complicated and rules and regulations vary from country to country (massively) and occasionally, even from region to region. If you move to a new area, don’t just assume that your previous policy will port seamlessly. Check it out. Trust me: It’s worth it.Having lived most of my life in the UK and Germany, I have intimate personal experience with moving a watch collection across borders. And the differences are stark. Some things are easier in some territories, and some things are harder, but the three things you should focus on first when looking into insuring your collection (or single watch) is the total value of your collection, how many “declarable” models you will need to put on your policy, and how all of this can affect your remaining contents insurance.So let’s start with the first point. This is relatively simple. Add up the retail value of the watches in your collection. When doing this, make sure you collate invoices and receipts (if possible) into a physical and digital folder. Scan everything, stick it in a PDF and email a copy to yourself rather than keeping it on your hard-drive alone (it stands to reason that if your property gets turned over your laptop may go the same way as your watches).

As the Rolex Pearlmaster is just as much an item of jewelry as it is a precision timekeeping instrument, every single Rolex watch in the collection is set with some amount of diamonds/gemstones. The degree of gem-setting (and the type/color of the gems themselves) can vary significantly from one Pearlmaster watch to the next. A modest example may “only” have 12 diamonds set into its solid-gold bezel, while the more extravagant and expensive models can have completely diamond-encrusted cases and bracelets, with rainbow-colored sapphire-set bezels, and diamond-paved dials.At its core, the Pearlmaster is essentially an ultra-premium, luxury-oriented Datejust. Like other Datejust watches, the Rolex Pearlmaster is fitted with a scratch-resistant sapphire crystal with a Cyclops magnification lens and a Twinlock winding crown that uses a system of gaskets to create two sealed zones to protect against moisture intrusion. Consequently, despite its solid 18k gold construction and lavish application of various gemstones, the Rolex Pearlmaster still has a water-resistance rating of 100 meters and is just as functional for everyday use as any other Rolex watch.While it may have identical functionality to the standard Datejust collection, the Pearlmaster is about as far a departure from Rolex’s tool-watch history and aesthetics as you are likely to find in their contemporary catalog. However, as Rolex continues to assume a more luxury-oriented position within the high-end timepiece market, the use of precious metals and gemstones in their watches is becoming an increasingly common practice. The Rolex Pearlmaster has as much to offer in terms of gold-work and gem-setting as it does in the precision timekeeping department, making it the perfect timepiece for those that want a watch that sits at the crossroads of jewelry and horology.

Rolex has graduated from a watch brand into a seismic force to which the regular rules do not apply. While it is far (far) from guaranteed that any Rolex watch you buy will appreciate from the day you bought it, time is showing us that these models, both old and new, endure the fluctuations of the watch market very well indeed.And, in fact, buying a pre-owned model might well be the very best thing you can do in the case of Rolex. Many of the new professional models are simply unattainable without waiting an inordinate amount of time – or without paying an exorbitant grey market mark-up to skip the queue. Older professional models are available for prices below those of a new model, and present the chance to pick-up a potential classic while also expanding your knowledge of the crown.Part of the joy of the watchmaking game is getting to know the tiny ticker on your wrist. Buying modern watches because they are in vogue is all well and good, but it can sometimes be a bit of a rushed exercise (thanks to all that competition). A far nicer, and (in my opinion) rewarding way to pursue this hobby is to consciously decouple oneself from the pursuit of luxury, or status, or the latest trend, and instead put stock in the long road. Read about old models. Pore over their nuances. Allow yourself to appreciate how certain models and certain designs can somehow, almost inexplicably to a modern mind, encapsulate an era so perfectly. These wordless time capsules are worth seeking, as they can, in a single glance, remind us of a simpler time when things didn’t move so fast.My first Rolex was a Rolesor Datejust from 1985. I bought it pre-loved after finally managing to get over my thirst for Pepsi, and having hit the history books in search of inspiration. It cost me around $4,000 and it looked brand new but so satisfyingly anachronistic. Vintage is not for everyone, but before you dismiss it as an option, remember that whatever you like right now will be old someday soon. And it is only with the passing of time that we’re really able to understand what has managed to stand its test.