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Self-storage insurance for your household goods

 

Self-storage is a great way to free up space in your home. But sometimes the worst happens, and your goods get damaged in storage or in transit to or from storage through no fault of your own. You might have home contents insurance, but it may not cover your goods in storage.

Of course, there are some goods that cannot be replaced – but by insuring your items while they are in storage, you can replace them with the minimum of fuss if they are damaged from specific named causes.

Specialist self-storage cover is the answer. Store and Insure self-storage insurance will protect you if your stored items are affected by theft, fire, mould, pest, vermins or flooding.

How do I get a quote from Store and Insure?

It’s easy! Use our Get a Quote form to quickly find out more.

 

How do I make a claim?

 

If you need to make a claim, get in touch within seven days of finding out that your goods have been damaged. You should follow the instructions on our Claims page . We know how upsetting it is when your goods are damaged, lost or destroyed and we will try to make the claim process as smooth and as easy for you as possible so you can replace your items with the minimum of fuss.

Is your storage company overcharging you for insurance?

Storage space insurance is often a condition of the lease on storage space. Many storage organisations offer customers their own policies. This is an easy option – but if you use a self-storage company’s own insurance you may be paying over the odds.

The Telegraph Money investigated the price of self-storage insurance and found that some customers were paying seven times more than they should have been.

Can I shop around for storage space insurance?

The Telegraph Money investigation mentioned above found that some storage customers were even told they were not allowed to get insurance elsewhere! That sort of thing can really drive up the cost of your storage space. And we think it’s against The Competitions Act (1998) and The Consumers Rights Act (2015).

It definitely pays to shop around for self-storage insurance. Talk to Store and Insure to find out how much self-storage insurance really costs. We insure by the day, with no minimum time or premium.

How much does it cost to insure your domestic goods in storage?

The cost of self-storage insurance depends on the length of storage required and the replacement value of your goods what you want to insure and how long you want to insure it for. So it is difficult to give a ballpark figure. However, the best advice we can give you is to decide what you want to insure and how long you want to insure it for. Then get a few quotes from different providers – including Store and Insure – to help you decide which policy best meets your needs.

What does Store and Insure protect my domestic goods from?

Our policy protects your items from physical loss. And our policy protects your goods from damage caused by:

  • fire
  • flood
  • theft following forcible entry
  • insect or vermin damage
  • explosion
  • lightning
  • civil commotion.

We welcome you to take a look at our Terms and conditions to find out more.

What items do you cover?

Your Store and Insure policy covers domestic household goods and personal effects. This includes:

  • furniture
  • clothing
  • electrical equipment including computers, TVs and audio
  • books, records, CDs and DVDs
  • sporting equipment, including bikes, motorcycles, boats and trailers
  • jewellery, watches, stamps and mobile telephones up to £500
  • all other household goods.

However, there are some items we don’t cover. These include: motor vehicles, living creatures and plants, money, coins, bullion, precious stones, deeds, bonds, securities. The policy does not cover credit, debit and charge cards nor lottery tickets or scratch cards nor consumer redemption vouchers, stamps or cards. Also, no more than 10% of the sum you have insured can be any combination of: bottled spirits, processed tobacco, tobacco products and bottled perfumery.

And we only insure domestic household goods and personal effects goods. This means that we won’t cover property relating to a business or commercial goods. For example, we can’t insure the stock of an online shop.

Check the Terms and conditions to find out exactly what is covered and what is not.

What is the most expensive item I can get self-store insurance coverage for?

You should tell us if any one item in your storage space is worth more than £1,500. Don’t worry about wear and tear: this policy is on a new for old basis. It’s important to tell us the replacement value for all your goods: that way, if you do need to claim, it can be settled quickly.

Should I insure my stuff if I’m just storing it for a few days?

Absolutely, you should insure your things if you are only putting them into storage for a few days (for example, to keep them out of the way while you have a party). Don’t forget your items are covered in transit to and from storage, too. At Store and Insure we charge a daily rate for our self-storage insurance, so you can insure for a day, or however long you want. And if you take your goods out of storage early, we will give you a premium rebate.

Which storage companies does my insurance cover?

We will cover your household goods if they are stored with a storage company that is a member of the Self Storage Association (SSA) or British Association of Removers (BAR) . So we cannot offer you insurance cover if you’ve got goods stored in a garage or lock-up that is privately owned. We cover items stored in a fully-enclosed locked container, room or locker. But we do not cover items stored in crates, such as wooden lift vans – even if these are supplied by a storage company.

 

 
 
 

Compare Storage Insurance

 

Our scheme is far more competitive than purchasing the insurance directly from the self-storage provider, as well as some of our direct competitors as evidenced below:

£10,000 £5,000
Safestore (Newcastle) * £186.00 £93.00
Big Yellow (Tunbridge Wells)* £227.50 £113.75
Insurastore * £87.83 £43.86
Store and Insure £73.67 £36.86

* based on 3 months cover from 1/02/2019

 

Self Storage Insurance - Our policy has got your possessions covered

  • Household goods in storage and in transit to and from your chosen self storage facility
  • Physical loss, damage or destruction from specific named perils
  • No hidden fees and No excess
  • New for old cover
  • Cover from just 57p a week per £1,000 sum insured

We Cover...

  • Furniture
  • Clothing
  • Electrical Equipment
  • Computers, TV's & Audio
  • Books, Records, CD's and DVD's
  • Sporting Equipment
  • Jewellery, Watches, Stamps and Mobile Telephones up to £500
  • All other household goods

You are covered for

  • Physical loss
  • Destruction
  • Damage
  • All including associated transit.

For full details go to our Insurance Product Information Document

What is not insured

  • Motor Vehicles
  • Living Creatures
  • Plants
  • Money, coins, bullion, precious stones, deeds, bonds, securities
  • Credit/debit/charge cards
  • Lottery tickets or scratch cards
  • Consumer redemption vouchers/stamps/cards
  • No more than 10% of your sum insured in any combination of: bottled spirits, processed tobacco, tobacco products, bottled perfumery