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Wine Insurance

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It's important to insure your collection for the correct amount


Why choose our specialist cover?

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Wine Insurance

For owners or collectors of fine wines obtaining a suitable insurance policy is an important consideration.

At Assetsure, we have a specialist insurance policy for covering fine wines. We can insure either single bottles or entire collections. Whether you are buying wine for investment purposes or you just have a well-stocked cellar, you may find that your standard home insurance policy does not provide you with adequate insurance protection.

One of the main problems is that many home insurers have a threshold for certain items; this is usually perfectly adequate for small collections designed for private consumption but for more serious quantities of value, once the policy threshold has been breached, you may find that you are offered a high net worth home insurance policy. This is one option but another would be to buy a separate wine insurance policy. Our wine policy, underwritten at Lloyd s of London provides cover on a world-wide “All-risks” basis and in the event of a claim, there is no excess to pay.

In addition to wide insurance cover, the territorial limits of our policy are extended to include:

  1. At your home address or any of your other property.
  2. In a bona-fida storage facility.
  3. For new purchases whilst in transit.

What type of events are covered

Our Assetsure policy provides ” All-risks” insurance which will include cover in respect of accidental damage and theft. A valuable additional includes damage caused by flooding to wine labels that will. Damaged wine labels can severely effect the value of investment wine. In respect of this we will insure for loss of value ( depreciation cover) Certain covers are not available such as ullage or natural loss of contents

Full details of this insurance and our full range of collectables insurance may be obtained by contacting our office.


Extensive Cover icon-thin-chevron-down

Our policy provides "All-risks" cover as standard. This means events such as loss or damage are covered with fewer exclusions and warranties.


First class claims service icon-thin-chevron-down

We settle claims "in house" and in the event of a loss we'll work with you and our industry contacts to settle your claim as quickly as possible. Most policies are excess free


Protect your no claims bonus icon-thin-chevron-down

This is a "stand-alone" policy, any claim will not affect any no claims bonus you may have under your home insurance


Insured at Lloyd's of London icon-thin-chevron-down

This policy is underwritten at Lloyd's of London, the worlds oldest continuous insurance market.


Instant cover and policies icon-thin-chevron-down

Most of our policies you can now buy online and receive instant documentation. Of course, you are more than welcome to call us and we can provide your cover over the phone

Stand Alone Insurance Policy icon-thin-chevron-down

This is a stand alone policy with wide cover for your devices. We also include Pet Damage and Mysterious Disappearance insurance

Your Questions Answered

How will you settle my claim? icon-thin-chevron-down

The most we will pay in total for each incident of loss is the amount insured which you choose when you take your policy out.

Who will I be insured by ? icon-thin-chevron-down

The Assetsure Collectables Insurance policy is underwritten at Lloyd’s of London

How much should i insure my collection for? icon-thin-chevron-down

You should insure you collection for the current market value

When will I receive my policy? icon-thin-chevron-down

Your policy will be delivered instantly by e-mail. Cover will start from the date you request.

How long does it take to arrange insurance? icon-thin-chevron-down

In most cases, we can provide cover the same day that you request it and you can buy the insurance online immediately. In cases where we cannot quote online, we endeavour to provide you with a quotation within 24 hours during the week. If you would rather discuss your arrangements over the telephone, please call us, we'd be pleased to speak to you.

What sort of Collectable items will you cover? icon-thin-chevron-down

We will consider almost any type of collection including Antiques, Coins,

Medals, Millitaria, Objects d’art, Pictures, Paintings, Prints, Records, Stamps, Toys and Wine. Please call us if you wish to discuss .

Are there any Age restrictions? icon-thin-chevron-down

Our collectables policy is open to persons resident in the United Kingdom who are over the age or 21