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.
Alternatively, if you are a student and finding yourself moving regularly. Take a look at our student self-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.
…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.
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 Our Storage Insurance Cost?
Personal From £1.12
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.
- Personal possessions, stamp collections and coin collections, with proof of ownership and providence up to £1,000, valuables up to £1,000
Students From £1.18
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, personal possessions, valuables up to £1,000
Business From £1.24
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
90% 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 November 2022 by Proinsight, 90% 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 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 Underwriters
Our Storage Insurance is underwritten by The Salvation Army General Insurance Corporation Ltd (sagic). Sagic are owned by The Salvation Army and support the diverse work of the renowned global charity. This means when you buy a policy, you will help fund vital community projects across the UK.
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:
- We do not cover storage units outside of the UK.
- 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.
- Accidental Damage
- Stock or Possessions held on behalf of 3rd parties
Important To Know: Types of Storage
Self-storage units come in different forms including individual units, shipping containers, lock-ups, garages, wooden crates, and box storage.
Individual storage units are the most common form of self-storage and are located in purpose-built or converted facilities. They range in size from small lockers to larger units that can hold the contents of a house. They offer security features like gated access, climate control, 24-hour access, and CCTV. As the customer, you have exclusive access to their unit with a lock and key. Rentals are flexible, and the size and length can be chosen based on your requirements.
Shipping containers have become popular due to their versatility and durability. They are weather-resistant and designed to withstand harsh conditions. They offer high security and can be fitted with extras like shelving, lighting, and climate control. However, for insurance coverage, the location must be a purpose-built storage facility with CCTV, fire alarms, and secure access.
Our policies cover both individual storage units and container storage as long as the facility itself meets our requirements. 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.
Lock-ups and garages may seem like an affordable option, but they lack proper security, climate control, and protection from the elements. They are often vulnerable to break-ins and theft, and the temperature, moisture, and humidity can cause damage over time. They also lack fire protection systems and insurance coverage. It’s best to choose a purpose-built storage facility for adequate security, climate control, and insurance coverage. Both are excluded from our storage insurance policies.
Wooden crates are used for personal and commercial storage, particularly for fragile or valuable items. They offer good protection during transit and are often used for short-term storage. Because they can have both environmental and pest problems, they are not recommended for long-term storage and are excluded from our insurance policies.
