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Fenix, Forerunner, Instinct and the rest
Garmin Watch Insurance
Garmin watch insurance from Dynamo covers accidental damage, cracked screens, water damage and theft across the Fenix, Forerunner, Instinct, Venu, Approach and Descent ranges. Cover applies worldwide, claims are unlimited, and you can cancel next month with no fee*.
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What our Garmin insurance covers
- Cracked screens and lenses, including sapphire versions
- Accidental damage on trail, road, water and rock
- Water damage beyond the rated depth
- Theft, replaced with the same model and case size
- Worldwide cover, including while racing abroad
Bought to be worn where things break
Nobody buys a Fenix to wear at a desk. These are watches for ultras, alpine routes, open water and dive sites, which means they are on the wrist in exactly the conditions that destroy watches, and that is the argument for insuring them rather than against it.
Premium models, premium replacement costs
A sapphire Fenix or a Descent dive computer sits at a price closer to a laptop than a fitness tracker, and Garmin repairs on out of warranty units are frequently quoted as a paid replacement rather than a fix.
Why Dynamo
Cover that works the way you do
Cracked lenses
Whether yours is glass, Power Glass or sapphire, a hard enough impact on rock or metal will take the lens, and replacing it on a premium Garmin is rarely cheap.
Damage on the trail
Falls, scrambles, bike crashes and gates account for most of the damage we see on Garmin watches, and cover applies whatever you were doing.
Water beyond the rating
Every Garmin carries a depth rating and none is unlimited, so damage past that point falls outside the warranty and inside this policy.
Theft while travelling
Watches disappear from race village tents, hotel rooms and dive boats, and we replace a stolen Garmin with the same model and case size.
Every range covered
Fenix, Forerunner, Instinct, Venu, Vivoactive, Approach, Quatix, Descent, Enduro and Lily are all covered, at any age.
Cover for older units
Garmin watches stay in service far longer than most wearables, and there is no age limit stopping a five year old Fenix going on cover today.
How it works
How to insure your Garmin Watch
01
Tell us which Garmin
The model and case size gives us what we need, and the price appears straight away.
02
Cover it before race season
Start the policy up to thirty days ahead so the watch is covered from the first event rather than after it.
03
Claim from anywhere
Report the damage in your portal from any country and we will repair or replace with a full warranty.
The Dynamo way
Garmin Watch Insurance, minus the annoying parts.
With Dynamo
- Cancel your next month from the portal with no fee*
- Change your details for the next month with no fee*
- Manage everything 24/7 in your portal
- Choose when to start, up to 30 days ahead
The old way
- A separate bill for every policy
- Locked in for twelve months
- Admin fees for the smallest change
- Phone queues and office hours
- Paperwork before anything begins
Devices covered
Every model we insure
We insure 88 Garmin models with maximum device values from £200 to £1,300, including the Garmin Fenix 5 Plus, Garmin Forerunner 35, Garmin Quatix 8 47MM AMOLED, Garmin Lily 2 and Garmin Forerunner 265S.
If your model is not named here it is almost certainly still covered, so tell us what you have when you quote.
The Fenix, Forerunner, Instinct, Venu, Vivoactive, Vivomove, Approach, Quatix, Descent, Enduro, Bounce and Lily ranges, across every generation.
Yes, including sapphire lenses, which are more scratch resistant than glass but no less prone to cracking under a sharp impact.
Yes, cover applies whatever the activity, including damage sustained while diving.
Yes, cover is worldwide from the start date with nothing extra to arrange.
Yes, there is no age limit, which matters because these watches routinely stay in use for five years or more.
We replace it with the same model and case size, and the replacement is fully warranted.
Get covered in about a minute
No phone call, no paperwork, no twelve month commitment.
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