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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.

We've got you covered...

accidental loss

Accidental Loss

We’ve got you covered if you misplace or lose your wine
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accidental loss

Accidental Loss

If you wine is accidentally lost we will pay up to your chosen sum insured.

We are unable to cover ~ullage or natural loss of contents; or inherent vice, cork-fly or climatic conditions.

Accidental Damage

Accidents happen, especially with fragile items
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Accidental Damage

Cover against Accidental Breakage of your wine bottles

Whilst great care is taken with valuable bottle of wine, accidents can happen and the breakage of a bottle will of course result in a total loss

We will pay up to your chosen sum insured in respect of damaged bottles of wine.

Pairs / Sets Cover

Some wine bottles are more valuable as a set, our cover makes sure you are covered in the event of the set being damaged or incomplete
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Pairs / Sets Cover

Cover if your wine is part of a set.

Pairs and Sets - If any wine has an increased value because it forms part of a pair or set is lost or damaged, any payment we make will take account of

the increased value.

Theft

Unfortunately items get stolen, we make sure you are covered if the worse happens.
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Theft

Theft of your Wine

We can provide cover for theft of your wine , either from your home or from a storage facility if you have notified us that your wine is in storage.

We cannot cover substitution or mysterious disappearance; of any wine or bankruptcy or any book-keeping failure of any wine storage or facility

Find out what makes our cover different...

Why we stand out...

We are a specialist jewellery insurer with an extensive network of trusted jewellers across the UK that we use to repair / replace your item on a like for like basis

Premium protection promise

Premium protection promise

We value our customers. Your premium will not be loaded next year if you make one claim under £500. We reward loyalty and will guarantee if you find a cheaper renewal quote we will match it.

In-house claims service

In-house claims service

Our sales office is open 7 days a week making it easier to report your claim. We are a dedicated, friendly and efficient team who's sole aim is make your claim experience hassle free and easy

30 day money back guarantee

30 day money back guarantee

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

Treating you fairly...

We will not charge you any additional admin fees to make amendments to your policy or to cancel. We won't use enticing introductory offers to draw you in as we believe the price should be good from the start.

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

Start here. Get a quote for your first item now…

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

£
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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