Yeah, that makes insurances pretty useless. I have a jewellery insurance but it but the number of outs for the insurance company is saddening. I need to get hur

Yeah, that makes insurances pretty useless. I have a jewellery insurance but it but the number of outs for the insurance company is saddening. I need to get hurt when I getting robbed on the street before they will cover the theft of my watch. One of the reasons why I mostly wear some watches at home. And if I get violently robbed they only cover up to the retail price and not the replacement cost/price. If anyone know a better insurance the cover the above cases in the UK. Please tell me.