Theft, damage, and mysterious disappearance are covered worldwide in our program. If the cause of loss were to be theft, a police report would be required. For any damage, a quote or invoice from the jeweler, watchmaker, or authorized dealer of your choice would be accepted. There would be no proof required when the cause of loss is mysterious disappearance in order to file a claim, but you would need to answer some questions to our claims adjusters in order to document the loss and process your payout. One thing to consider is that the more claims someone makes during their policy term, the more it can have an impact on increasing their policy premium or even potential policy cancellation upon review at the time of renewal.