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This page tells you exactly what our policy covers, what it doesn't, and what your facility needs to qualify. No small print buried at the end — everything you need to know, upfront.
Your policy pays out if your stored belongings are lost or damaged as a result of any of the following. The Facility policy covers all events listed; the Container policy covers all except those marked Facility only.
Fire, lightning, and explosion
Including earthquake and accidental fire at the storage facility.
Theft and attempted theft
Proof of violent forced entry to the unit is required.
Storm, flood, and weight of snow Facility only
Not included under the Container policy.
Escape of water from pipes or tanks Facility only
Burst pipes, leaking apparatus, fixed water tanks. Not included under the Container policy.
Impact by vehicle, aircraft, or animal
Riot, civil commotion, and malicious damage
Including strikes, violent disorder, and vandalism.
Falling trees, telegraph poles, and lamp posts
Including subsidence and partial structural collapse of the building.
Smoke
Moths, insects, or vermin Facility only
Where the source is from outside the premises. Not included under the Container policy.
The policy covers your home and personal contents stored in your unit or container. This includes:
The following are excluded from all cover4storage policies:
Please read Policy Wording for full information on levels of benefits and cover details.
When you get a quote, you'll set your total sum insured to match the full replacement value of everything in your unit. Certain categories have sub-limits regardless of your total sum insured:
| Item category | Maximum payable |
|---|---|
| Any single item | £7,500 |
| Valuables (jewellery, watches, art, etc.) | £3,000 in total |
| Pedal cycles | £2,000 in total |
| Personal documents and deeds | £1,000 in total |
| Collections (stamps, coins, memorabilia, etc.) | 30% of your sum insured |
| Alcohol, tobacco products, and bottled perfumery | 10% of your sum insured |
Receipts, valuations, and proof of ownership will be required for claims involving cycles, valuables, or collections.
Make sure you're not underinsured
Set your total cover level to the full replacement value of everything in your unit — not just what you originally paid. If you're underinsured, your payout will be reduced proportionally.
To be eligible for cover, your storage facility must meet all of the following:
Not sure if your facility qualifies? Any reputable self-storage operator will confirm they have CCTV and fire alarms in place. If in doubt, call us on 01268 200 060 — Monday–Thursday 9am–5pm, Friday 9am–4pm.
Policies start from £16.50 a year. The price depends on the total value of what you're storing — the higher the cover level, the higher the cost.
There is no excess on any claim. What you're owed is what you receive.
Get a quote in minutesBefore you buy, please read the Policy Wording and Policy Acceptance Criteria to confirm this policy meets your needs.
From £16.50
per year
Storage facilities often sell their own insurance at the point of rental. cover4storage customers save up to 70% compared to facility-sold policies.
It takes a few minutes. You'll have your certificate straight away.
Get a quoteFrom £16.50 a year · No excess · Instant certificate · FCA regulated