Home › Compare
Most storage facilities sell insurance at the point of rental — and most customers just say yes without shopping around. That's understandable. But independent research consistently shows that facility-sold policies cost significantly more than buying direct from a specialist insurer. Our customers save up to 70%.
Here's how cover4storage stacks up against a typical facility-sold policy:
| cover4storage | Typical facility insurance | |
|---|---|---|
| Annual cost | From £16.50 a year | Often 2–3× the price |
| Excess | None | Typically £50–£100+ |
| Certificate | Issued instantly online | Usually sent by post or email |
| Regulation | FCA regulated (FRN 618327) | May vary |
| Tied to one facility | No — yours to keep | Yes — ends if you move |
| Underwriter | SAGIC (specialist) | Varies |
| Claims contact | Sure Wise Ltd — dedicated team | Usually handled via the facility |
| Coverage | Theft, fire, flood, and more | Check your specific policy |
Facility insurance often ends the moment you leave that specific site. A cover4storage policy follows your belongings — if you move to a different qualifying facility, your cover moves with you.
We regularly check the market so you don't have to. Here's how our prices compare to the other main independent storage insurance providers in the UK, based on sample quotes at the same cover levels.
| Cover level | Duration | cover4storage | GM Store Insure | Insurastore |
|---|---|---|---|---|
| £5,000 | 3 months | £25.35 | £27.38 | £35.36 |
| £10,000 | 3 months | £49.80 | £47.77 | £69.43 |
| £5,000 | 6 months | £40.56 | £46.31 | £68.90 |
| £10,000 | 6 months | £79.68 | £85.62 | £140.40 |
All prices include Insurance Premium Tax (IPT). Prices last checked May 2026. Sample quotes only — your price depends on your selected cover level. See each provider's website for current pricing.
One important difference on excess
GM Store Insure's policies carry a £250 excess. That means if you make a claim, the first £250 comes out of your pocket before any payout. cover4storage has no excess — what you're owed is what you receive.
Beyond price, it's worth checking what any policy actually covers before you buy. Our What's Covered page sets out exactly what's included and excluded — no surprises.
Storage facilities are not insurance companies. When they sell you insurance, they're reselling a product — typically with a significant mark-up built in. Because we sell direct, with no middleman and low overhead, we can pass those savings straight to you.
The difference can be stark. For a typical £5,000 cover level, facility insurance often costs £60–£100 a year. The same level of cover with cover4storage starts from around £25.*
*Based on a sample quote at the time of writing. Your price depends on your selected cover level.
Facility insurance is tied to the facility. Change storage provider — for any reason — and you'll need to start again.
cover4storage is an independent policy in your name. As long as your new facility is purpose-built for self-storage with CCTV and fire alarms in place (and located in England, Wales, or Scotland), your policy stays valid.
From £16.50 a year
Prices start low and scale with your cover level.
No excess on any claim
What you're owed is what you receive.
Instant certificate
Issued the moment you complete your quote.
FCA regulated
Sure Wise Limited, FRN 618327.
Underwritten by SAGIC
Specialist insurer — profits go to The Salvation Army.
UK-based team
Call us on 01268 200 060 — Mon–Thu 9am–5pm, Fri 9am–4pm.
Many storage facilities do require proof of insurance as a condition of rental. A cover4storage certificate is accepted at all major storage operators in England, Wales, and Scotland. If your facility questions it, ask them to check — FCA-regulated policies are widely accepted.
Yes. You can take out a cover4storage policy at any time. Check whether your existing policy allows a refund for any unused period before cancelling.
Your policy continues as long as your new facility meets our eligibility requirements (purpose-built, CCTV, fire alarms, England/Wales/Scotland). Call us to update the facility details on your policy.
Get a quote in minutes. Enter your cover level and see your price instantly — no personal details required upfront.
Get a quoteFrom £16.50 a year · No excess · Instant certificate · FCA regulated · England, Wales & Scotland