Wine insurance

Why do you need to check your wine and spirit collection is insured?

From 50-year-old whisky, expertly blended cognac, limited edition Tequila, to rare vintage champagnes, whether you’ve collected bottles for special birthdays, anniversaries, reminders of sun-drenched holidays or simply because you love it, you’ll want to make sure your collection is adequately protected. A standard home insurance policy is unlikely to offer cover for “consumable goods”, and so the value of your collection and wine cellar could be at risk. 

If you’re saving your prized bottles for future celebrations or solely choosing to invest in “liquid” assets, it’s important your passion is protected. Fine wines, limited edition vintages and premium spirits can appreciate in value over time, so it’s worth having your collection regularly reviewed to ensure you avoid the risk of being underinsured. 

Our premium wine and spirits insurance can protect your prized collection against loss or damage, from risks such as fire and floods, as well as theft and accidental damage.  

• Agreed value cover ‒ For specified items and collections, you can arrange an agreed value which means if you suffer a covered claim, you will receive the agreed value in compensation.
• Reporting the damage ‒ When it comes to claiming, you will be supported by our expert team who have experience and understanding of insuring wine.
• Not just wine and spirit bottles ‒ Cover can also include wine containers, climate control systems, wine cellar furnishings and accessories. 

How our prestige insurance experts can help

If you’re a fully-fledged wine connoisseur with a vast inventory, or you’re just starting out building your wine and spirit collection, our team of prestige insurance experts will take the time to advise the best approach to protecting your collection.