Wine Insurance

Wine Insurance

If wine is your passion, you’ll want access to your collection - to enjoy, to admire, to share; even just to walk in the stillness of the organic ageing process.  But in a home cellar your wine is exposed to risk, which could affect the financial investment you’ve made in it:  

What if…

…there’s a flood and the labels are washed off?

…heat affects the organoleptic quality and age-worthiness?

…failed aircon or chillers compromise ageing?

…you need to move your collection?

…you buy wine on your travels and it’s damaged before you get home?

…it turns out you under-estimated the value of your collection?

Fine wines derive their value from the aesthetic complexity and rarity they develop with age. Wines become more delicate with age, and extremes of temperature, variation in humidity and vibration can damage their quality and the predictability of their evolution. Which is why you need specialist advice and carefully crafted insurance.

What's covered?

For collections valued at £100,000 or more, La Playa can insure your wine separately, or as part of a portfolio policy covering your collections, homes, cars, boats. Our specialist fine wine insurance covers:

  • Physical loss or damage worldwide, including wine in transit
  • New acquisitions, up to 25% of the total amount insured
  • Loss of resale value due to labels being washed off or made illegible by flood or other accident
  • Loss of organoleptic quality and age-worthiness resulting from a sudden and unforeseen incident
  • Compromised ageing as a result of failed air-conditioning/chillers

You’ll also enjoy:

  • Complimentary consultancy session from Sarah Abbott MW, CEO of Swirl Wine Concierge
  • Preferential rates on concierge services: cellar management, selling/purchasing advice, authentication and valuation, wine and food matching advice, private wine tuition from a Master of Wine
  • Invitations to private wine tastings and ‘meet the maker’ events

Contact us to give your wine the protection and care it deserves. 

“To take wine into our mouths is to savor a droplet of the river of human history”  - Clifton Fadiman

La Playa offers specialist cover for wines in domestic and warehouse storage and in transit. We can advise on reducing your exposure to common risks - read our advice on Safeguarding Your Wine Collection and What To Do if Your Wine Collection is Flooded.

NB: Premiums start at £750

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“Thank you for the excellent way in which your team handled the claim we settled”

Richard M, Private Client


Ready to work with us?

You can call us to talk more about your insurance on +44 (0)1223 200650 or +44 (0)20 3865 0149

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About La Playa Private Client

Specialist & Independent

La Playa's Personal Risk Concierge service means advice you can trust - from an expert who understands you:

  • Specialist, global policies for affluent lifestyles
  • Independent, specialist advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability with offices in London & New York

Independent and specialist
As an independent broker, we can advise on the best policies available - and on risk management measures including valuations, security, fire prevention and property marking - preserving the value of your property and giving you complete peace of mind. We have access to excellent terms with market-leading high net worth insurers.

In-house Wealth Management
We see insurance as integral to your financial planning - and our in-house financial advice team provides Wealth Management, Pensions and Financial Planning; a joined up approach with a team of advisers working for your best financial interests - all under one roof.

What does “Boutique Service” actually mean?
La Playa’s Personal Risk Concierge means:

  1. A dedicated adviser so you can speak to the same person each time
  2. Careful listening to really understand your needs and priorities
  3. As much help as you need with completing forms to provide risk information
  4. A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
  5. An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
  6. Careful monitoring of the insurers’ financial strength, claims and customer service
  7. An independent recommendation of the best policy for you - and, importantly, why
  8. Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analysed a wide range of policy wordings and have selected only the best for our panel. Our advisers have a deep working knowledge of these policies 
  9. An intelligently designed portfolio of protection across multiple asset classes and territories
  10. Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
  11. Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
  12. Direct phone, mobile and email access to your adviser for questions and advice. We aim to respond to emails within 60 minutes
  13. Policy documents emailed to you - no logins and passwords to remember
  14. An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running; driving through to a swift and fair financial settlement

Oh, and...

  • No call centres
  • No ‘hold’ music
  • No hidden fees

*subject to availability with our insurer panel

Photo from Private Client