Complete the form below to generate an insurance quote for wine and/or spirits stored in a bonded warehouse.
To download PDF versions of all the important documents that relate to Bonded Wines & Spirits Insurance, including the Full Policy Wording, click the link or scroll to the bottom of this page.
We have a handy Wine2insure user guide available in PDF Format. Helpful advice covering; applying for an online quote, making payment using the Worldpay portal, changing card details, policy amendments and cancellation.
If you buy this policy in error and you contact us within 14 days of the purchase date you will be entitled to a full refund, unless you have made a claim. If you cancel the policy after this time we are not able to offer you a refund as the duration of the policy is only 1 (one) calendar month. For further details please read our Terms of Business below.
When you propose for Insurance and you find the premium and conditions acceptable, we shall normally be able to start the Insurance when you have completed the website application.
Commercial customers only; If your Insurance is arranged wholly or mainly for purposes related to your trade, business or profession, you have a duty to disclose all material facts, whether or not the insurer asks for specific information. This duty applies throughout the life of your policy and when you renew your Insurance. Material facts are any facts that may influence the Insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material fact may invalidate your Insurance and could mean that your claim will not be paid. Under the Insurance Act 2015, you need to undertake a ‘reasonable search’, before answering questions and the presentation of your risk needs to be ‘clear and accessible’; so called ‘data dumping’ without clear signposting is not acceptable. The presentation does need to be made by a ‘responsible’ person.
Consumers only; You must take reasonable care not to make a misrepresentation to the Insurer. This means that all the answers you give and statements you make as part of your Insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the Insurers, this could mean that part or all of a claim may not be paid. The Consumers Insurance Act 2012 applies to you
You may feel that you need help with some aspects of your Proposal Form. Connoisseur Underwriting does not provide you with formal advice, but you may call us and we shall do our best to give you good guidance. You acknowledge that we shall not be liable to you for such guidance, under any circumstances.
It is your responsibility to make sure that your Sums Insured are adequate. Your Wines and Spirits Sums Insured should be an accurate reflection of the basis of settlement offered by the policy. You will hold us harmless for all decisions you make in this regard.
Payment of premium is due immediately and must be paid before cover starts or renews. If you have not paid the renewal premium by the renewal date, your policy will no longer be in force and you will not be able to make any claims under it.
If you find out later that you already have Insurance in place (by mistake) for the risks that you are now proposing, at our discretion, we shall refund half of the applicable premium. There are three provisos. First, the other Insurance must be for a similar (but not identical) form and extent of cover, second, we shall only make this refund if the other Insurers agree to do the same and third, you may only claim for and during the existing period of Insurance.
Premium returns may not be made if you have had a claim before cancelling.
For your protection, we will hold premiums and claims monies received [if applicable] in accordance with Financial Conduct Authority rules in either a statutory or non-statutory account. No interest thereon earned by us in respect of each transaction shall be returned to you unless such amount exceeds £20.
We levy an Administration Fee which is included in the premium. Any change in this level will be advised to you, prior to purchase of the insurance or its renewal.
We or insurers may levy a fee for Financial Conduct Authority charges and FSCS levy. This will be advised to you prior to purchase of the insurance or its renewal.
New rules mean that if you feel that the policy you have bought or its renewal is inappropriate for your needs, you may have a “cooling off” period of 14 days from the start of the policy period. Providing this “cooling off” period applies to you, there have not been any losses during the 14 day period and you return all certificates and other documentation to us, we shall return your premium paid less an amount that is in proportion to the extent of the service already provided to you no later than 30 days from the date on which we receive your notice of cancellation. By exercising your right to cancel, you withdraw from the contract of Insurance as of the date of your notice. This right to cancel does not apply to policies where the activity or event being insured is of less than one month’s duration. Your notice should be sent in writing to Connoisseur Underwriting to the address below.
In all other cases, we shall be entitled to retain or recover our annual fee or other reward in full if you “double insure” or if cancellation of the policy is allowed partway through the first period of Insurance. Please note that some policies are not cancellable by you as of right either within or after the “cooling off” period.
All personal information about you shall be treated as private and confidential [even when you are no longer a customer], except where the disclosure is made at your request, with your consent, in relation to administering your insurance or where the law requires it. As part of the Financial Conduct Authority’s duties, we may be asked to provide them with access to our customer records in order that they may carry out a review of our activities. Some or all of the information you supply to us will be held on computers or file servers and may be passed to other insurance companies for underwriting and claims purposes.
This document provides key information about your bonded Wines and/or Spirits in store Insurance. It does not contain the full terms, exclusions and conditions. If you have any questions or concerns about this insurance in the first instance, please contact Connoisseur Underwriting, South House, South Street, Dorking, RH4 2JZ through whom this insurance was arranged.
The policy insures against loss or damage to your Wines and/or Spirits whilst in storage only at a LCB Warehouse specified by you during the period of insurance.
XL Catlin Insurance Company UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference No. 204848).
This insurance contract period of cover is offered as a monthly contract and insurance will have ended within a period of one (1) month from the start date of the period of Insurance and will continue for as long as you continue to pay your monthly premiums.
We will not pay for physical loss and/or damage to or from:
We will also not pay for any:
Please refer to your policy wording (Pages 10, 11, 12 & 13) for the full list of the exclusions.
by giving you seven (7) days’ notice in writing. Any return of premium due to you will be calculated at a proportional rate unless you have made a claim in which case the full premium is due.
If you need to make a claim please contact: Connoisseur Underwriting through whom this insurance was arranged. The contact details are as follows:-.
South House, South Street, Dorking, Surrey RH4 2JZ
Tel: +44 (0)1306 740 555
Fax: +44 (0)1306 740 770
If you have any questions or concerns about this insurance or the handling of a claim, please contact Connoisseur Underwriting of South House, South Street, Dorking RH4 2JZ.
Telephone 01306 734 106 and speak to John Wakefield
(contact your insurance advisor named in the schedule through whom this insurance was arranged.)
If you wish to make a complaint, you can also do so at any time by referring the matter to the:
XL Catlin Services SE, UK Branch, 20 Gracechurch Street, London EC3V 0BG
Tel: +44 (0)20 7743 8487
If you remain dissatisfied after XL Catlin Services SE have considered their complaint, it may be possible in certain circumstances to refer the complaint to Lloyd’s. Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available at www.lloyds.com/complaints and are also available from XL Catlin Services SE at the above address or from Lloyd’s at:
Lloyd’s Complaints Department
Lloyd’s, Fidentia House, Walter Burke Way, Chatham ME4 4RN
Tel: +44 (0)20 7327 5693 Fax: +44 (0)20 7327 5225
The Financial Ombudsman Service
South Quay Plaza, 183 Marsh Wall, London E14 9SR
Tel: +44 (0)845 080 1800
From within the United Kingdom
Tel: 0800 0234 567 (free for people phoning from a “fixed line”, for example, a landline at home)
Tel: 0300 1239 123 (free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02)
From outside the United Kingdom
Telephone Number: +44 (0) 20 7964 1000
Fax: +44 (0) 20 7964 1001
The Financial Ombudsman Service can look into most complaints from consumers and small businesses. For more information contact them on the above number or address,
or view their website: www.financial-ombudsman.org.uk
The European Commission also provides an on-line dispute resolution (ODR) platform that allows consumers to submit their complaint through a central site, which will forward the complaint to the right Alternative Dispute Resolution (ADR) scheme. The ADR scheme for Catlin Underwriting Agencies Limited is the Financial Ombudsman Service, which can be contacted directly using the contact details above.
For more information about ODR please visit their website: www.ec.europa.eu/odr
Catlin Underwriting Agencies Limited are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we are unable to meet our obligations under this contract of insurance. If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract of insurance. Further Information about the Scheme is available from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 St. Botolph Street, London EC3A 7QU) and on their website: www.fscs.org.uk
Catlin Underwriting Agencies Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference No. 204848).
Further details can be found on the Financial Services Register at www.fscs.org.uk