Never play records 'wet' with any sort of cleaning fluids. This can interfere with the contact and adhesive between the stylus and cantilever, it can have seriously adverse affects.
I'll just throw this in the mix. I think these designs may have been chosen as they are difficult to copy (bootleg) as the printing process make it difficult to pull off a good 'copy'.
So roughly what percentage do they charge per year for insurance. If your collection is worth say £100,000 what would the yearly cost be to insure for that amount?