Whisky Forum - Whisky Insurance

bustamills · Member Joined: 14 May 2015 Posts: 19

Hi, has anyone got any tips or what broker to use for whisky insurance in the UK ? , my current insurer won't insure whisky because it's a consumable

sorren · Posted: Tue Jan 31, 2017 6:29 pm Post subject:

I spoke to my house insurance and luckily they insured it.. I was told I just had to name any single bottle that was worth more than Â£1600 otherwise the whole collection is covered under my policy as individual bottles.. but my advice is check and re check if going under house insurance.. I use Direct line..

bustamills · Member Joined: 14 May 2015 Posts: 19

I'm with UIA insurance , I my wife phoned them about my whisky and they replied that they wouldn't insure my whisky AND the refused to renew my content insurance for the rest of the house because of the risk due to fire or theft ðŸ˜³ðŸ˜³

opelfruit · Posted: Tue Jan 31, 2017 9:17 pm Post subject:

Time to change insurer.

I'm with MoreThan and they cover my contents (including any "collections"). Like sorren I have to name any sole item over a certain value, but as I don't have any 1 bottle over that value I'm covered for all my bottles, as the total value doesn't exceed my contents limit.

As for the theft or fire risk, what a load of old nuts. Carpets, curtains, clothes, aerosoles (deoderant etc) ,lighter fluid, that can of Calor gas for the BBQ that's in the garage.....that all burns pretty well and I doubt that'd not insure you for that. Things like TVs, hi-fi's on show would encourge theft, but Bill Bob Public isn't going to break in to nick your Balvenie's.
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"Too much of anything is bad, but too much good whisky is barely enough."

sorren · Posted: Tue Jan 31, 2017 9:33 pm Post subject:

I'd be away from them like a shot.. didn't you tell them you don't allow photos into be taken near your whisky ( not funny if you have not been to some distillerys )

bustamills · Member Joined: 14 May 2015 Posts: 19

I've been with them for years (never claimed a thing) , so I'll be off asap

Graeme Dempster · New Member Joined: 04 Mar 2017 Posts: 1 Location: Glasgow

Bruce Stevenson insurance brokers can help insurer your private whisky collection http://www.brucestevenson.co.uk/insuring-private-whisky-collection/
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Wharfedale · Single Malt Member Joined: 01 Apr 2014 Posts: 64

I am with Natwest Black that is under written by Direct Line Group they cover my collection I just have to declare any bottle over Â£5000.