Fine Wine Insurance for Collectors

Fine Wine Insurance for Collectors

Fine 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 the wine's evolution.  Which is why you need specialist advice and carefully crafted wine insurance.

Based in London (UK), Cambridge, and New York, La Playa can provide your wine insurance separately, or as part of your home insurance; or on 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 resultingfrom 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.

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“It has been a pleasure working with you and you have dealt with any issues that have arisen in a highly effective and efficient manner. We look forward to dealing with you again!”



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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

Specialist & Independent

La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewellery collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

In-house Wealth Management

We also offer Investments & Pensions and Financial Planning: a joined up approach with a team of advisers working for your best financial interests - all under one roof.

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: offices in London & New York
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Helen Hollins ACII


Direct Dial: +44 (0) 1223 200672

Mobile: +44 (0) 7802 716762


Twitter: @HelenLaPlaya