Insurance Cover Information Document & Declaration


The Removers’ and General Insurance Policy is an insurance policy for Safestore to cover customers’ property against loss or damage whilst being stored. This Insurance Cover Information Document is for your guidance and explains both the principles of the cover and the terms and conditions of the insurance. If you fulfil the obligations noted herein you will become the beneficiary of Safestore’s policy, subject to all terms and conditions noted below. In this document, “we”, “us” and “our” means the Insurer. “You” and “your” means the beneficiary of this cover.  Safestore is not able to provide any advice regarding the suitability of this cover and cannot provide any additional information other than what is contained within this document.

The Insurer

Insurer: Lonham Group Ltd on behalf of Chaucer Insurance Company DAC UK Branch. Registered in the UK and operating from offices at: The Maltings, Princes Street, Ipswich, Suffolk, IP1 1SB, United Kingdom.

The Clauses

1. Precondition for Cover
This is a summary of the cover held by Safestore Limited. You will only be able to claim against our policy if prior to placing your Property into storage you have confirmed that cover is required by signing part 1 of this contract, ensuring you have provided an accurate Declared Value and paid or agreed to pay the relevant charges.
2. Duration of Cover
Your property is covered from the time it is placed in the self storage unit until the time it is finally removed from storage subject to receipt from you of all insurance administration fees due. No cover applies during loading and unloading or during transit. This cover will only pay for loss or damage discovered during the period of Safestore’s insurance policy with Lonham Group Ltd on behalf of Chaucer Insurance Company DAC UK Branch.
3. Insured Perils
The following perils apply whilst your goods are secured in the room that you are renting from us:

Fire, Lightning, Explosion, Earthquake, Storm, Flood, Burst Pipes, Collapse or partial collapse of the building, Theft accompanied by forcible or violent entry or exit, Riot, Strike, Civil Commotion, Malicious Damage, Impact by vehicles or aircraft, damage caused by dropping of a container and moth, insect or vermin damage when caused by an external source, other than items and causes specifically excluded or restricted as stated within this Summary of Cover. Loss or damage from any other cause is at the sole risk of the Customer whether or not arising from or contributed to by the negligence of Safestore or its agents or employees.
4. Total Declared Value
As requested by you and shown in the Customer Declaration below. The total declared value can be increased on payment of an additional charge, subject to our prior agreement. Some property is subject to specific limitations, as outlined within the Excluded Property clause herein. The total sum insured cannot exceed £50,000 unless confirmed in writing by us.
5. Under Insurance (Stock or work in progress)
In respect of Business Customers’ stock and work-in-progress, if you fail to declare the full replacement value of your property being stored, in the event of a claim you shall only be entitled to recover in settlement the proportion of the loss as the value declared bears to the total replacement value of all stock and work-in-progress being stored.
6. Under Insurance (all other property)
In respect of all other property, if you fail to declare the new replacement value of your property being stored, in the event of a claim you shall only be entitled to recover in settlement the proportion of the loss as the value declared bears to the new replacement value of all property being stored.
7. Pairs & Sets
Where any items are part of a pair or of a set, our Insurers shall only pay for the actual items which are lost or damaged. No payment will be made for any items which are part of a pair or of a set and which are not lost or damaged.
8. Right to Cancel
Once the goods are moved into store, your right to cancel ceases and you will be charged for our insurance administration fee up until your next payment is due.
9. Basis of Claims Settlement 
In respect of Business Customers’ stock and work-in-progress, the basis of settlement of any claim shall be by replacement value, repair and/or compensation at our Insurers’ option. Our Insurer will take into consideration the age, quality, degree of use and consequent market value of your property when calculating the settlement. No claim will attach for depreciation consequent upon such repair.
In respect of all other property, in the event of total loss, destruction or damage beyond repair of any item, the settlement of any claim shall be by replacement, with items which are equivalent but no better than the original when new, or compensation at our Insurers’ option.
Our Insurer will pay for any loss or damage, up to the value declared by you, to the Insured, subject to the terms, conditions and exclusions detailed herein.

Cover is restricted to the reasonable cost of repair and no claim will attach for depreciation consequent upon such repair.
Basis of Settlement for Documents
The basis of claims settlement shall include the following:-

a. The value of the materials as stationary;
b. The costs necessarily and reasonably incurred for clerical labour expended in reproducing or writing up such documents; and
c. The costs necessarily and reasonably incurred in connection with the reproduction of any information to be recorded. Insurers will not reimburse you for the value of the information contained in any documentation lost or damaged.
10. Policy Excess
Insurers will not pay the first £50 of each claim, you will be responsible for this.
11. Payment of Insurance Administration Fees
Our insurers shall only be liable to settle a claim  recoverable under this cover providing we have received all insurance administration fees due from you.
12. Time Limit for Claims Notification
All claims must be notified to us at the time of discovery of the loss/or damage to your property, or at the time of removal of your property from the unit, whichever is sooner. You must then provide written details, including at least a completed claim form, to us as soon as possible thereafter in accordance with Clause 18. Claims Procedure.
13. Choice of Law and Jurisdiction
The Policy shall be governed & construed in accordance with English law & shall be resolved within the exclusive jurisdiction of the courts of England & Wales.
14. Fraud 
If you or anyone acting on your behalf:

a. makes any false or fraudulent claim;
b. makes any exaggerated claim;
c. supports a claim by false or fraudulent documents, devices or statements (whether or not the claim is itself genuine);
d. makes a claim for loss or damage which the Insured or anyone acting on the Insured's behalf deliberately caused, our Insurer will:
   i. refuse to pay the whole of the claim; and
   ii. recover from the Insured any sums that it has already paid in respect of the claim.  

15. Excluded Property 
Unless agreed otherwise in writing by Insurers, the following limitations apply:-

a. Money, coins, bullion, deeds, bonds, securities and the like.
b. Livestock, Plants or Perishable Goods of any kind.
c. Explosives, firearms and flammables, such as highly flammable gasses, liquids, chemicals and the like.
d. Loss of electronic data records other than the cost of blank data carrying materials.
e. Jewellery, watches, precious stones, stamps of all kinds exceeding £500 any one Customer.
f. Furs, fine arts, perfumery, tobacco, cigars, cigarettes, beers, wines, spirits and the like exceeding £10,000 any one Customer.
g. Electronic Items (as defined below) and mobile phones exceeding £25,000 any one Customer.
Electronic Items means all items of consumer and commercial electrical appliances and instruments including but not limited to, televisions, computers, computer software, hard drives, chips, microchips, printed circuit boards and their components, modems, monitors, camera, hi fi equipment and the like. Heavy electrical items such as switchgear, turbines, generators and the like shall be deemed not to be Electronic Items.
16. Exclusions 
Insurers will not provide indemnity for the following:-

a. Loss or theft of items other than following violent and forcible entry to or exit from the storage premises.
b. Accidental damage unless as a direct result of violent and forcible entry to or exit from the storage premises.
c. Loss or damage caused by wear and tear, gradual deterioration inherent vice or latent defect
d. Loss or damage caused by damp, mould, mildew, or rust unless caused by the negligence of the Operator.
e. Climatic causes.
f. Loss or damage caused by leakage of liquid from any receptacle or container within the Customer’s own unit(s).
g. Indirect or consequential loss of any kind or description.
h. Mechanical or electrical damage or derangement of any mechanical or electrical goods unless reasonably attributable to physical damage to such items from an external cause, or following fire, flood, collision or overturning of road vehicle or other conveyance.
i. Damage caused by pollution or contamination except (unless otherwise excluded)
j. Loss, damage or expense attributable to your wilful misconduct. Damage to Customers’ Property caused by:
   i. Pollution or contamination which itself results from any Insured Peril
   ii. Any Insured Peril which itself results from pollution or contamination
k. Damage caused by vermin if food or perishable goods are found to be in the Unit which are not securely packaged in rigid plastic or metal containers so they are protected from and do not attract vermin.
l. Loss or damage caused by ordinary leakage, ordinary loss in weight or volume, evaporation or nature of the property stored. 

17. Other Exclusions

a. Loss or damage from or liability or expense directly or indirectly caused by or contributed to, by, or arising from Radioactive Contamination, Biological, Bio-Chemical and Electromagnetic Weapons.
b. Loss or destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
c. Loss, damage, expense or liability of whatever nature arising out of or in any way connected with Cyber Attack whether directly or indirectly.
d. Loss, damage, liability, claim, cost or expense of whatsoever nature caused by, contributed to by, resulting from, arising out of, or in connection with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease regardless of any other cause or event contributing concurrently or in any other sequence thereto.
e. Loss or damage directly or indirectly occasioned by happening through or in consequence of war, invasion, acts of foreign enemy hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority. Loss or damage in respect of goods in storage caused by or resulting from Acts of Terrorism or any person(s) acting from a political motive.

18. Claims Procedure
If you wish to make a claim you must obtain a claim form from your store at the address shown on your Storage Licence.
The completed form must be returned to Safestore, who will send it to their Insurers’ claims settling agents, RCS.
Where a claim is notified late, it may prejudice yours and/or Safestore’s Insurer’s position and affect how the claim is considered.
Your claim will be dealt with in accordance with this Insurance Cover Information Document. The excess stated herein will be deducted from any claim settlement.
Subject to payment of the actual value of a damaged item by Insurers, they may at their discretion take over ownership of the property. No property may be abandoned to Insurers.

19. Non Contribution
Both Insurers and their claims settling agents, RCS, make every effort to provide an excellent service to customers whom are entitled to claim from

20. Cancellation
Both Insurers and their claims settling agents, RCS, make every effort to provide an excellent service to customers whom are entitled to claim from
21. Complaints Procedure
Both Insurers and their claims settling agents, RCS, make every effort to provide an excellent service to customers whom are entitled to claim from this cover.  If on any occasion service falls below the standard you would expect, we would like the opportunity to offer additional support to put things right. In order for us to resolve your grievance promptly, we ask you follow the below procedure:  
  1. If your claim has been submitted to Safestore and you have not heard from RCS within 5 working days, please contact RCS.
  2. If you have received a response, please contact the person dealing with your claim at RCS outlining the nature of the problem.
  3. If you remain dissatisfied following response from the person dealing at RCS, write to the RCS Claims Director who will give the matter their personal attention.
  4. Should the matter still not be resolved to your satisfaction RCS will provide you with details of the address and the person to contact at the Insurers offices.
RCS Contact Details:
Address: RCS, Swan House., Swan Centre, Leatherhead, Surrey, KT22 8AH
Tel: +44 (0) 1372 385 985

Your rights as a customer to take legal action remain unaffected by the existence or use of any complaint procedures referred to above.

Safestore is registered with the Financial Ombudsman Service. If, after following the above procedure, your complaint has not been resolved to your satisfaction, you may have the right to refer the matter to the Financial Ombudsman Service. Contact details can be found at 

I/We wish to insure my/our property whilst it is stored with you.

I/We understand that cover is accepted subject to payment of the Insurance Administration Fee quoted to me/us below.

I/We will notify you in writing if at any time during the period of storage the Declared Value is to be increased and that I/we will pay the appropriate additional Insurance Administration Fee.

I/We confirm that my/our property does not include any items prohibited for storage as detailed in the Licence Agreement or property excluded under the Insurance Cover Information Document detailed herein, unless specified by you and agreed in writing by us, with any appropriate special terms and conditions being agreed and additional Insurance Administration Fee being paid by me/us.

I/We understand that if at any time my/our Insurance Administration Fees fall into arrears the insurance cover will cease with effect from the date the payments become overdue.

I/We confirm that the Declared Value provided by me/us represents the full replacement value as new of all my property stored and that I/we will confirm if the value of goods being stored exceeds this amount before placing goods into store.

I/We have read and agree to the terms, conditions and exclusions of the insurance, particularly clauses 3. Insured Perils, 5. & 6. Under Insurance, 15. Excluded Property and 16. & 17. Exclusions, as detailed herein.

You should keep a record of all information you have given us.


Unit Number/s:


Declared Value:

Insurance Administration Fee including IPT*

Commencement Date:


*Insurance Premium Tax (IPT) at the going rate is included within the fee shown above.

Version: June 2022
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