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Wine Insurance arranged by Assetsure - (Other collections such as Whisky can be considered)

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

At Assetsure, we arrange 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 need to upgrade your policy.

One option is to obtain a home insurance policy with higher limits or to buy a separate wine insurance policy. The wine policy arrange is especially designed for collectable items and provides cover on an “All-risks” basis. If you do need to make a claim, there is no excess to

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 properties (Providing we have been notified of the address.
  2. In a bona-fida storage facility.

What type of events are covered

Cover is provided on a ” All-risks” insurance basis which will include cover for accidental damage, accidental loss and theft.

A valuable addition includes damage caused by flooding to wine labels that will potentially affect the value of the wine, damaged wine labels can severely effect the value of investment wine.

The policy will include loss of value (depreciation cover). Certain contingencies such as ullage or natural loss of contents are excluded.

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 lose your wine
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accidental loss

Accidental Loss

If you wine is accidentally lost the insurer's will pay up to your chosen sum insured.

Exclusions from cover are ~ullage or natural loss of contents; or inherent vice, cork-fly or climatic conditions.

Accidental Damage

Accidents happen, especially with fragile items such as bottles of wine.
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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

Wine insurance arranged by Assetsure will pay up to your chosen sum insured in respect of damaged bottles of wine.

Pairs and Sets Cover

Some wine bottles are more valuable as a set,
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Pairs and Sets Cover

Cover if your wine is part of a set.

Some bottles of wine have higher value because thy are part of a set. The cover provided makes sure you are covered If any items which have an increased value because they form part of a pair or set are lost or damaged, any payment made by the insurers will take account of the increased value.


Unfortunately wine does get stolen, we make sure you are covered if the worst happens.
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Theft of your Wine

We can arrange 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 and we have agreed to accept the address where your bottles are being stored.

The policy does not 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 us different...

Why we stand out...

Under our Collectables insurance policy we can offer cover for your Wine collection. We can cover individual bottles or whole collections. Talk to us if you need cover at home or in storage such as a bonded warehouse.

Premium protection promise

Premium protection promise

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

Excellent Claims Service

Excellent Claims Service

You can easily report a claim to us by telephoning our claims department who can take instructions from you regarding your loss, or if you prefer, you may email us. Full details are contained in your policy document. We’ll assist you to obtain a repaired or replaced item as quickly as possible.

30 day money back guarantee

30 day money back guarantee

We are so confident in the product we supply that we have arranged with the insurers to allow you 30 days to change your mind and request a full refund, this is rather than the generic 14 days given by most. Even if after the 30 days is up, you decide our policy is not for you, we will refund you all of the insurance you haven't used with no deductions from the return of premium.

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 the policy we arrange, that you will be entitled to a full 30 days to change your mind and obtain a full refund. This is an improvement on the 14 days which is normal. Even if after the 30 days is up, you decide the cover is not for you, we will arrange for your policy to be cancelled and a full pro rata return of premium to be provided (Subject to no claim being made).

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


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


Please select the owner's current age

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Your Questions Answered

Who are Assetsure ? icon-thin-chevron-down

Assetsure are a UK Insurance intermediary. We are authorised and regulated by the Financial Conduct Authority and are members of the British Insurance Brokers Association.

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.

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