Vaultik's AI authenticates watches from photos, then Chubb quotes coverage in the same app. The partnership targets collectors on WhatNot and eBay Live.
Alpha Score of 55 reflects moderate overall profile with moderate momentum, weak value, moderate quality, moderate sentiment.
Vaultik, a platform that uses AI to authenticate and value watches and jewellery from photos, said it has teamed up with Chubb to let eligible owners request an insurance quote directly inside the same app.
The service runs through Vaultik's Collect App. Users photograph an item. The company's proprietary KYP protocol – it stands for Know Your Product – generates an authentication and valuation result. That result goes to Birmingham Assay Office, the UK hallmarks authority, for a human review. Once the review clears, the user can get a Chubb quote and, if eligible, buy coverage digitally.
Chubb underwrites the policies. The press release did not disclose financial terms or premium volume targets.
The partnership targets a specific friction point. Owners of high-value watches or jewellery often need separate appointments for appraisal, then have to contact an insurer independently. Vaultik and Chubb are collapsing that into one flow that starts with a phone picture.
Vaultik already works with sellers on WhatNot and eBay Live. The company said it is selecting additional marketplaces and partners to offer the same authentication-to-insurance journey to their customers. Retailers and jewellers can also white-label the service through Vaultik's business platform.
For Chubb, the deal opens a direct-to-consumer digital channel for its valuable articles coverage – a product typically sold through agents and brokers. Chubb reported $62 billion in gross premiums written last year, so the near-term revenue impact is small. But the collaboration tests a model where insurance is embedded into the appraisal process itself, reducing the steps between a purchase and a policy.
Vaultik's AI is not meant to replace expert work, the company said. It creates a shared digital record for each object – serial numbers, past appraisals, provenance, repairs, condition changes – that stays accessible over the item's lifecycle. Birmingham Assay Office reviews every valuation. The office, established in 1773, tests precious metals and applies legally recognised hallmarks.
Chubb's Alpha Score sits at 51 out of 100, a Mixed label that points to neutral territory between clear bullish and bearish signals. The score does not argue for a portfolio bias one way or the other.
The service is live now. Users can start with a photo and finish with a policy, all within the same app. The next question is how many collectors walk through that door.
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