Safeguard your items with StoreProtect
Your belongings must be protected while they are in storage. You have two options: arrange your own insurance, or choose StoreProtect. For a general overview of how self storage insurance works, read our guide to self storage insurance.
Under our licence, we are only liable for loss or damage to your goods to negligence, and only up to a maximum of £100. This is the standard approach across UK self storage; operators are not insurers and therefore cannot insure the contents of your unit.
StoreProtect is an agreement for us to accept enhanced liability for loss or damage to your goods which may occur during storage. The £100 limit is then replaced by the Maximum Replacement Value of your property.
Things to know:
- Declare the right value. Your Maximum Replacement Value is the cost of replacing your goods with new equivalents, not what you paid for them. If it is lower than the true total, we reduce any payout proportionally.
- Keep it accurate. You must tell us in writing if the value of your goods increases, and pay any extra charge that results.
- Pay on time. StoreProtect charges are set out in your licence agreement and are payable in line with your storage invoices. If the agreed charges are not paid in full, enhanced liability stops and you would then need your own insurance.
- Some items are not covered. Vehicles and delivery or collection goods stay at the £100 limit. For an item to count as insured contents, it must be locked inside your designated unit and documented on your inventory list. Higher-value jewellery, art, wine and spirits, and electronics need our written permission above set limits.
No protection
Sam stores furniture worth £3,000 and doesn't take out StoreProtect or insurance. If it's damaged, the most Sam could receive from us is £100, and only if we were at fault.
Under-declaring
Priya's belongings would cost £10,000 to replace, but she declares only £5,000. A leak damages £2,000 of items, so we pay half: £1,000. Had she declared £10,000, we would pay the full £2,000.
Cancelling StoreProtect
You can cancel StoreProtect at any time by emailing or writing to your store. If you cancel before storage begins, we refund all StoreProtect charges. If you cancel after storage has started, give us 14 days' written notice.
Using your own storage insurance
If you'd like to supply your own insurance, your policy must cover at least the Normal Perils listed in Safestore Licence Condition 19.2.2:
Normal Perils in this Condition mean actual loss of or damage to Goods caused by fire, lightning, explosion, earthquake, storm, flood, escape of water from any apparatus, theft by violent or forcible means, subsidence, riot and civil commotion, malicious damage, impact by vehicles, aircraft or aerial devices, vermin damage, collapse or partial collapse of building.
Check this before you rely on a household policy. Many do not cover goods in self storage, even where they include "contents away from home" cover.
We need a letter or policy document showing:
- the sum insured
- the cover start and end dates
- the address of the Safestore store where your goods are kept
Ask your insurer to add an addendum with its name and address. We keep a copy with your rental agreement, and you will need to send us the updated documents each year when your cover renews.
Please read our StoreProtect Addendum for more details regarding StoreProtect.
