Self Storage Insurance

Cover includes

  • Theft, Fire, Flood, Pests & More
  • Instant Certificate via Email
  • No Hidden Fees & No Excess
  • 99% of Customers Save With Us*

From just £13.49 per year

Get a Quote

What Is Storage Insurance?

Storage insurance that’s 70% cheaper than buying direct. Immediate Certificate for Business & Personal Storage insurance from the Specialists – it’s also known as Storage Container Insurance or Self Storage Insurance and it protects your possessions from damage, theft, or loss whilst they are contained within a unit at a storage facility. 

Some policies, including ours, also cover the transit of your possessions to and from the facility in which they are stored.  Self Storage facilities can add large markups on insurance add-ons, so it usually pays to shop around and buy your insurance independently.

Do I Need Storage Insurance?

In most situations, if you are leaving your belongings in a storage unit for any length of time, they’ll need additional protection. That’s what our specialist storage cover is for.

Our Self Storage Insurance cover provides protection against things like fire, theft, & much more, allowing you to rest assured that the contents of your storage unit are always covered.  We provide immediate insurance certificates.

Self Storage Insurance is also compulsory at most self storage facilities.  As a result, many storage providers offer insurance which people take as an easy option, but these Storage Insurance Policies are typically much more expensive.

If you are storing items in an internal or external shipping container, then please see here our container storage insurance page.

What Type Of Storage Insurance Do I Need?

Are You Storing Personal Items?

You may have personal items to store due to a home move or other life event, or perhaps you’ve just decided to declutter your home or renovate.

You may be a student who doesn’t want to move your possessions all the way back home between academic years.

For any of these situations and more, if you are using self-storage, we’ve got you covered.

Your Self Storage facility will typically ask that your possessions are insured; however, you don’t have to take out their insurance and you will almost certainly save money by insuring with us.

home contents

...Or Business Assets?

More and more businesses are opting for commercial self-storage options to store excess inventory, unused furniture, paperwork & more, securely stored off-premises in commercial storage facilities.

Keeping these assets protected in the event of an unexpected accident is just as important as keeping your work premises and everything inside covered from unexpected incidents.

Our business storage insurance policies will cover assets such as stock, stationary, furniture and more for a low monthly cost.

business storage insurance

Why Buy Your Storage Insurance from Us?

1

Fast & Immediate

Our systems provide fast quotes with speedy policies and renewals with immediate certificates.

2

Our Prices

We regularly check our prices against our competitors to make sure that we are always competitive and like you, we really don’t like renewal price hikes.

3

Transparency

We have a policy of no hidden costs. Whether for card fees or cancellations and amendments.

4

Easy Payment Options

Pay with Credit or Debit cards, including AMEX or Apple Pay or Google Pay.

5

At Your Service

We understand the importance of providing someone to talk to, so our call centre in Essex is there to help you.

How Much Does Storage Insurance Cost?

Personal

From £13.50

a month

  • Computer and electronic equipment, deeds, registered bonds, and other personal documents up to £1,000
  • Household goods, furnishings, furniture, carpets, curtains, and home appliances, including gas and electric cookers and telephone equipment, pedal cycles up to £1,000 per cycle
  • Personal possessions, stamp collections and coin collections, with proof of ownership and providence up to £1,000, valuables up to £1,000

Student

From £13.50

a month

  • Computer and electronic equipment, deeds, registered bonds and other personal documents up to £1,000
  • Household goods, furnishings, furniture, carpets, curtains, and home appliances, including gas and electric cookers and telephone equipment
  • Pedal cycles up to £1,000 per cycle, personal possessions, valuables up to £1,000

Business

From £24

a month

  • Computer and electronic office equipment, deeds, registered bonds and other personal documents up to £1,000
  • Furniture, carpets, curtains, and appliances, including telephone equipment
  • Machinery, stock, tools, and plant valuables up to £1,000

99% Of Storage Insurance Customers Save With Us!*

On average we are 3 times cheaper than buying your insurance directly from your storage provider!

*According to research conducted in July 2019 by Proinsight, 99% of customers save money with our storage contents insurance policies compared to the policies provided by storage providers, excluding special offers.

The Telegraph Money uncovered further examples of customers being charged up to seven times as much as the normal rate for storage unit insurance, with some customers being charged more for the insurance policy than the actual storage unit itself.

Important information

Important To Know: Storage Unit Requirements

There are many different types of storage facility in the UK and it’s important to be aware of several factors that we consider necessary for storage providers to meet as a minimum requirement.

The location must be a purpose-built storage facility with CCTV, fire alarms, and access to the facility is either given by staff present at the premises or by a secure key code provided to paying customers.

We constantly compare our rates and coverage with other insurance and storage companies to make sure we provide the highest level of cover and market-leading prices.

In the event of an incident likely to result in a claim, please visit our help centre for details on how to claim.

Our Top Tips

Here are a few tips that may help you when you are looking for the best self storage insurance policy:

Shop around before taking out a policy and make sure that you are not paying above the normal rate

Not all storage providers accept insurance from a third party. Check with them before you take out a policy

Whilst it is a big factor, the price isn’t everything! Remember, the cheapest storage insurance isn’t always the best

Ensure that the cost of the policy is in proportion with the cost of the unit itself

Moving the length of time for your insurance policy can have a big effect on its price.  Make sure you take out a policy for long enough so you don’t renew a more expensive policy

Remember to read the policy wording to ensure that the cover fits your needs

Our Underwriter

Our storage insurance cover is underwritten by SAGIC, The Salvation Army General Insurance Corporation, who are wholly owned by The Salvation Army. This means when you buy this policy, you are helping The Salvation Army support people in need and gives you an ethical, trustworthy underwriter to look after you in the event of a claim.

What's Covered By Our Storage Insurance Policies?

What’s covered?

Storage Unit Cover for home and business contents, including:

  • Computer and electronic office equipment
  • Deeds, registered bonds and other personal documents up to £1,000
  • Household furnishings, furniture, carpets, curtains, and home appliances, including gas and electric cookers and telephone equipment
  • Pedal cycles up to £1,000 per cycle
  • Machinery, stock, tools, and plant
  • Personal possessions
  • Stamp collections and coin collections, with proof of ownership and providence up to £1,000
  • Valuables up to £1,000

Loss or damage to stored contents in the event of:

  • Natural disasters, including lightning, earthquake, storm, flood and weight of snow (excluded for Storage Container policies)
  • Fire and explosion
  • Leaking water/liquid from fixed water tanks and pipes (excluded for Storage Container policies)
  • Theft and attempted theft, with proof of violent breaking and entering (e.g. broken lock)
  • Falling trees, telegraph poles and lamp posts
  • Collision by a vehicle or animal
  • impact by aircraft and other flying devices or items dropped from flying aircraft
  • Rioters, violent disorders, strikes, labour disturbances, civil commotion and malicious acts

We will replace or repair any stored items damaged. Repair or replacement will be at our discretion.

What’s not covered?

Please have a look at this section as sadly we cannot cover everything:

  • Your policy does not cover any type of currency, including money, coins, bullion, credit/debit cards, lottery tickets and vouchers.
  • Your policy does not cover dangerous items, including explosives, flammable contents and firearms and ammunition.
  • Personal or Commercial Possessions not stored in a purpose-built storage unit that has CCTV and fire alarms.
  • Personal or Commercial Possessions stored in wooden crates.

Some Storage Insurance FAQ's

Do I Actually Need Self Storage Insurance?

In short, it depends. Most storage facilities will require you to insure the possessions contained within their unit.

Generally, storage providers take very limited responsibility for anything that may occur to your belongings, even though the unit is kept on their premises.

Therefore taking out insurance for storage units is important if you want to keep your items protected from damage, theft or other unexpected problems that can occur.

A surprisingly high number of thefts and unfortunately even fires and flooding occur in storage facilities.

How Do I Work Out The Value Of My Items?

As the customer, it is your responsibility to calculate the sum of the goods you have in storage. You can do this by adding up the amount you paid for all of the goods combined or the value of items stored can be determined independently by a professional valuer.

Please note: the maximum single item value depends on your level of cover.

Bronze – Max Single Item: £2,500
Silver – Max Single Item: £5,000 (Includes bike cover)
Gold – Max Single Item: £7,500 (Includes bike cover)

Click here if you need a Storage insurance quote?

Is Storage Insurance Compulsory?

No, but your storage facility may request you have a self storage insurance policy. Although sometimes not compulsory, it is recommended that you cover your items. Self-storage companies will do their best to keep your belongings safe and protected, but they can’t offer an absolute guarantee; for example, if there’s extreme weather they can’t guarantee that it will not cause flooding.

Does Surewise Storage Insurance Cover Shipping Containers?

Yes, we can cover you if you’re using a shipping container in a purpose built self-storage facility and have selected the Storage Container Insurance.

Please note, you must select that you’re using a shipping container when getting a quote as these are not covered under the standard Self Storage Insurance (when you’re using a room/unit inside of the facility).

Do We Cover Commerical Belongings?

Yes. We cover both commercial and personal belongings in storage units, and you will be asked to select this whilst getting a quote. Please note, if you’re a business covering stock you will need to go for the Silver or Gold policy as Bronze doesn’t include stock cover.

Please refer to the policy wordings for full details on what items we can and can’t cover.

How Much Does Insurance For Self-Storage Cost?

The cost of storage insurance depends on a number of factors including size, location and what items you store in it. It is difficult to give an average cost for self-storage, because there can be many different variables within the policy, as well as there being massive differences in price depending on your insurance provider.

One thing is for sure, it is always good to compare storage insurance online before taking out a policy with the storage facility provider, as it could help you save money!

Do You Insure All Self Storage Facilities?

We cover any unit that meets our insurance requirements.

Please note: we do not cover any contents being stored within wooden crates.

Does This Storage Insurance Policy Cover Storage Units Outside Of The UK?

The storage facility must be within England, Wales or Scotland and you must be a UK resident in order to purchase our insurance policy.

Please Note: We are able to provide cover for customers that store whilst out of the UK, for example, because you are moving abroad or simply because you are working abroad temporarily.  In order to provide this cover, we require an address in the UK for correspondence.

How Do I Calculate The Sum Of The Goods I Want Insured?

As the customer, it is your responsibility to calculate the sum of the goods you have in storage. You can do this by adding up the amount you paid for all of the goods combined or the value of items stored can be determined independently by a professional valuer.

Is There An Excess?

No, for our Storage Insurance policies bought after 2018, there is not an excess payable in the event of a claim.

Who Do I Call If I Need To Make A Claim?

Our underwriter SAGIC has its own in-house claims. To make a claim you must contact them on 0300 030 1865 with your policy number at hand.

Please refer to the section ‘How to make a claim’ of the policy wording for more information.

Can I Extend My Policy?

Yes. You will receive a notification prior to your policy’s expiration and if you decide to extend it, you can do so within the policy period.

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