Ensure valuable wines are optimally insured
nextsure Wine Cellar Insurance: Tailored protection for your fine wines against theft, damage, and natural hazards. Find out more and get covered online now.
Comprehensive Protection
Customised Rates
Digital Processing
Why wine cellar insurance is essential
Protection against Theft
Protection against Damage
Preservation of Your Collection
Specific risks covered
What risks are covered by the wine cellar insurance?
The nextsure Wine Cellar Insurance offers comprehensive protection for your valuable wine collection against a range of risks. Central to this is the coverage against theft, burglary, and vandalism, which can unfortunately also affect private wine cellars. Additionally, elemental hazards such as fire, water damage (e.g., from burst pipes), storms, and hail are covered, which can cause irreparable damage to labels and contents. An often underestimated risk is breakage of glass, whether it's showcases or directly bottles due to external impacts – our protection applies here too. For particularly temperature-sensitive wines, coverage for cooling system failure is crucial to prevent any loss of quality. Optionally, you can also insure transport risks if you move your wines frequently. Protect the value of your wine collection with our specialised policy, explicitly tailored to the needs of wine enthusiasts and collectors, going beyond the standard coverage of a home contents insurance.
Tailored Protection
Our services for your wine cellar
Theft protection
Protection against burglary, theft, and vandalism.
Natural hazard damage
Protection against fire, tap water, storms, hail.
Glass breakage
Insurance for display cases and bottle breakage.
Cooling defect
Protection against cooling system failure, temperature damage.
Transport risk
Optional protection for your wines during transport.
Increase in value
Consideration of the appreciation in value of your collectibles possible.
New Value Insurance
Replacement at new value/market value in case of total loss.
Comprehensive insurance
Comprehensive protection against many unnamed hazards possible.
Professional Consultation
Expert advice from our insurance specialists.
Discover the benefits of the nextsure wine cellar insurance for your valuable collection.
Your wine collection
Optimally protected?
Determining the Insurance Value: How to Properly Appraise Your Wine Collection
A correct valuation of your wine collection is the basis for optimal insurance coverage through your wine cellar insurance and prevents underinsurance or overinsurance. Generally, the value can be determined based on the purchase price (what you originally paid) or the current market value (replacement value). For particularly valuable or rare wines, an independent appraisal by a wine expert is often recommended. An indispensable item is a detailed inventory list that records each wine with vintage, winery, origin, purchase date and price, as well as storage location. Carefully preserve purchase receipts, certificates, and photos of your collection. These documents are crucial for smooth processing in the event of a claim. Regular updates to your inventory list, at least once a year, help to accurately reflect any increase in value and adjust the insurance coverage of your wine cellar insurance.
Theft and Burglary Protection: Preventive Measures for Your Wine Cellar
The best protection for your wine cellar starts with effective preventative measures against theft and burglary. Mechanical safeguards such as burglar-resistant doors (at least resistance class RC2), secured windows, and high-quality locks form the first barrier. In addition, electronic alarm systems, ideally connected to a security service, are highly recommended. Video surveillance can have a deterrent effect and provide important evidence in the event of a break-in. Be discreet with storage and avoid publicly displaying the value of your collection. Clear access controls, determining who may enter the wine cellar and when, minimize internal risks. Many wine cellar insurance policies, such as those offered by nextsure, reward good security measures or require certain minimum standards that are relevant for full insurance coverage. Familiarise yourself with your policy's specific requirements to optimise your protection.
Damage from natural events: What should be considered with fire, water, storm?
Natural disasters pose a significant threat to any wine cellar. Fire can destroy not only the bottles but the entire storage area. Install smoke detectors and keep fire extinguishers at hand. Ensure you have fire-safe electrical installations. Water damage from burst pipes or leaks can ruin labels and render the wine undrinkable with prolonged contact. Regularly check the pipes and store the wines at an elevated level to prevent this. Storms and hail can cause indirect damage, such as damaged roofs leading to water ingress. Nextsure's wine cellar insurance covers damage from these natural hazards, provided it is within the insured scope. In the event of damage, document the effects promptly and take measures to mitigate further damage before reporting the claim to your insurance.
Air conditioning and storage: The impact on insurance coverage
Proper climate control and storage are crucial for maintaining the value and quality of your wines – and also play a role in insurance coverage. Consistent temperatures (ideally depending on the type of wine between 10-16°C) and appropriate humidity levels (around 60-75%) are essential. Significant temperature fluctuations can cause the wine to 'breathe', leading to oxidation. Air that is too dry damages corks, while air that is too humid affects labels. Therefore, a sudden failure of climate control technology can have serious consequences. Our wine cellar insurance can cover damages caused by an unforeseen technical defect in your cooling system, provided this is agreed upon in the policy. However, it is your obligation as the policyholder to ensure generally proper storage. Deficiencies in permanent storage that are not due to a sudden, unforeseen event are usually not covered.
Art & Value
Art insurance
Your Home
Contents insurance
Smart Home
Smart Home Protection
Transport of wines: Are your bottles insured during transit?
The transportation of valuable wines involves specific risks such as breakage, theft, or temperature damage. Standard homeowner’s or wine cellar insurance often provides limited or no coverage for transport. To ensure the safe transportation of your bottles, whether for a tasting, a move, or buying and selling, a specialised transport insurance or an additional component to your wine cellar insurance is recommended. Pay attention to professional, shock-resistant packaging and, if necessary, temperature-controlled transport, especially over longer distances or for sensitive wines. The nextsure wine cellar insurance offers optional coverage extensions for transport risks. Clarify in advance the exact scope and conditions to ensure your fine wines are optimally protected in transit, for example, through all-risk coverage for transport.
In case of damage: How to correctly report a claim to your wine cellar insurance
In the event of damage to your wine collection, swift and precise action is essential for a prompt settlement by your wine cellar insurance. Initially, take immediate measures to mitigate the damage, such as relocating the bottles to a safe area in the case of water damage. Document the damage comprehensively with photos or videos before making any changes. Compile a detailed list of the damaged or stolen wines with all relevant information (name, vintage, estimated value, purchase price). Report the damage to your insurer without delay—usually within a few days. Have your contract number and all relevant documents (inventory list, purchase receipts, reports) ready. Follow the insurer’s instructions and always agree on further steps, such as appointing assessors, in advance. Transparent and complete communication with nextsure facilitates the entire settlement process.
Exclusive Wines and Rarities: Special Features in Insurance Coverage
Owners of exclusive wines and rare collectibles face special challenges when it comes to insurance coverage. The value of such bottles can be significant and is often subject to considerable fluctuations. Standard insurance sums and conditions are usually insufficient here. For rarities, a precise valuation, often through an independent expert opinion from a recognised expert, is essential. The insurance sum must cover the actual, often very high market or replacement value. Check if your policy offers all-risk coverage, which provides protection against a wide range of hazards, unless explicitly excluded. nextsure understands the special needs of collectors of fine wines and offers tailored solutions that also consider value increases and specific risks associated with rare bottles. Individual advice is particularly important here to avoid coverage gaps.
Is my wine insured even in the event of a power outage?
Many wine enthusiasts wonder if their wine collection is already covered by their home contents insurance. While a standard home contents insurance provides basic protection for household goods, wine collections are often insufficiently covered or only up to a very low compensation limit (sublimit). Specific risks, such as the failure of the cooling system due to a technical defect, damage from improper storage due to external influences (e.g., flooding of the storage area), or the breakage of individual, very valuable bottles, are usually not or inadequately covered. The valuation in home contents insurance often accounts for the current value, which can lead to significant financial losses for valuable wines that have appreciated in value. In contrast, the Nextsure wine cellar insurance is a special policy tailored specifically to the needs of wine collectors. It offers higher, individually agreed insurance sums, explicitly covers specific wine risks, and takes into account the special value of your collection, often based on market value, replacement value, or an agreed collector's price.
