Our phone line is for technical web site support and general enquires regarding the web site. We cannot provide quotes or amend policies over the phone. Customers can manage their accounts by logging in to insurastore.com.

Please have a look through our FAQs first. If you still cannot find the answer to your query please email us on info@insurastore.com and we will get back to you within 24hrs.

No, we are unable to cover goods in this type of storage. We can only provide insurance for recognised storage facilities.

If it is a recognised storage facility and it is not on our list, please let us know by clicking here

Our Approvals Team will have a look at the facility and try to get it added to our database. This can take up to 5 working days. Alternatively please ask your facility to register with us by going to http://insurastore.com/self-storage-insurance-new-facility-register.htm

From the time we get the request we should have an answer back to you within five working days. The alternative option is to encourage your chosen storage facility to register with us by going to http://insurastore.com/self-storage-insurance-new-facility-register.htm

Please use the quick quote facility provided at the top of the page.

The property covered is your home contents and personal effects including sport equipment, boats, motorcycles, cycles and trailers whilst within an individual self-storage unit or within a building at the self storage location shown on the Confirmation of Insurance. We also cover property relating to business/commercial ventures up to a value of £20,000 that meets our business criteria.

You are covered for physical loss of or damage to the Property Covered arising from fire (and/or the additional perils listed below) occurring during the Period of Insurance shown in the Confirmation of Insurance. The additional perils covered are explosion, lightning, aircraft, earthquake, riot, civil commotion, storm, flood, burst pipes, impact by road vehicles, sprinkler leakage, malicious damage, theft where entry or exit was effected by forcible and violent means and moth, insect or vermin from a source outside of the Property Covered.

Our domestic insurance policy does not cover:

  • More than the Sum Insured shown in the Confirmation of Insurance.
  • More than £5,000 for any one item unless the item and its value is specified in the Confirmation of Insurance.
  • The first £25 of each and every claim increased to £100 in respect of damage caused by moth, insect or vermin.
  • More than £10,000 or 25% of your Sum Insured, whichever is the least, in respect of theft or malicious damage when the Property Covered is not in an individual self-storage unit.
  • Any item that you are not permitted to store according to the terms of the applicable self-storage licence agreement.
  • More than £500 for jewellery, watches, stamps and mobile telephones.
  • Money, coins, bullion, precious stones, deeds, bonds, securities, credit / debit / charge cards, lottery tickets or scratch cards, consumer redemption vouchers / cards.
  • Living creatures, plants.
  • More than 10% of your Sum Insured in respect of any combination of the following bottled spirits, processed tobacco, tobacco products, bottled perfumery.
  • Costs not directly incurred as a direct result of loss of or damage of the Property Covered.
  • Loss of data. For the purposes of this exclusion data shall be information represented or stored electronically including code or series of instructions, software programs and firmware.
  • Any consequence of war, invasion act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
  • Loss of or damage to the Property Covered caused by or arising from any act including (but not limited to) the use of violence or threat thereof, by any group of persons (whether acting alone or on behalf of or in connection with any organisation or government) committed for political, religious, ideological or similar purposes (including the intention to influence any government or to put the public or any section of the public in fear).
  • Loss of or damage to Property Covered caused by or arising from:
    1. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
    2. Any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
    3. The radioactive, toxic, explosive or other hazardous properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof.
    4. Radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes (other than nuclear fuel) when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes.
    5. any chemical, biological, bio-chemical or electromagnetic weapon.
  • Any claim to the extent that the provision of such cover would expose Insurers to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

In addition to the domestic exclusions, business policies exclude the following cargo:

  • Precious metals and/or stones and/or articles made of or containing precious metals and/or stones.
  • Paintings, statues, works of art, antiques and the like.
  • Living creatures.
  • Plants.
  • Watches with a retail value exceeding £50 each.
  • Skins, furs and the like.
  • Processed tobacco and/or tobacco products.
  • Mobile telephones, smart phones, electronic organisers, palm-top computers, laptops, tablets and/or slate computers and/or similar equipment.
  • Portable satellite navigation equipment and games consoles.
  • Microchips, microprocessors, memory in the component form and central processing units and/or similar.
  • Bottled perfumery.
  • Bottled spirits.
  • Money (including bank notes and coins), bullion, deeds, bonds, securities for money, negotiable instruments, credit/debit/charge cards, lottery tickets or scratch cards, consumer redemption vouchers/stamps/cards, saving stamps, unused postage stamps and/or anything of a similar nature.
  • Televisions, digital cameras, audio equipment, video equipment and/or associated pre-recorded media, hard drives, CD and/or DVD drives, modems, routers, printers and/or headphones.
  • Aeroplanes, helicopters and/or associated parts.
  • Explosives and the like.
  • Computer equipment, associated software, electrical and/or electronic accessories.
  • Non-ferrous/precious metals in sheet, bar, tube, ingot, coil, scrap or similar form.

The requested cargo must be able to be valued at market value except if the cargo is business records, medical records, receipts, dissertations, plans, manuscripts and the like where it will have to be valued at paper cost.

  • Home contents and personal effects (other than those listed below) must be valued at the new replacement cost.
  • Clothing, antiques, fine arts, boats, motorcycles, cycles and trailers must be valued at their market value.
  • Documents must be valued at the new stationery cost.
  • Data storage media must be valued at the cost of new blank media.
  • In the event of loss or damage which may give rise to a claim, you must take all measures under your control to minimise any loss.
  • Check the terms and conditions of insurance to see if you are covered for the loss or damage. Read carefully any conditions and exclusions that may apply.
  • Select the “Make a Claim” option on the insurastore.com website and follow the on screen instructions. Full details of any losses and/or damages incurred must be notified to insurastore.com within 7 days of you first being aware of any loss or damage.
  • To help us deal with your claim, you must:
  1. Not throw away any damaged items before we have had chance to inspect them.
  2. Provide us with the following information if requested:
  • Original purchase receipts, valuations, and photographs of more expensive items.
  • Provide repair estimates for any damaged items.
  • For damaged items, confirmation by a qualified expert that the item you are claiming for is damaged beyond repair.

This will depend on the type of claim and the value involved:

Where the damage can be economically repaired we will pay the cost of repair. Where the damage cannot be economically repaired and the damaged or lost item can be replaced, we will replace it. If a replacement is not available we will replace it with an item of similar quality.

Where we are unable economically to repair or to replace an item with an item of similar quality, we will agree a cash payment with you based on the replacement value.

Where we can offer repair or replacement through a preferred supplier, but instead you request and we agree to pay a cash settlement, then the amount will not normally exceed what we would have paid our preferred supplier.

In the event of the total loss or destruction of any article we will not pay more than:

  1. the new replacement cost of any home contents and personal effects other than listed in 2, 3 and 4 below.
  2. the market value of any clothing, antiques, fine arts, boats, motorcycles, cycles and trailers.
  3. the cost of documents as new stationery.
  4. the cost of data storage media as new blank data storage media.

Insurers may be able to settle the claim from the information you have given. This is why it is important to:

  1. Not throw away any damaged items before We have had chance to inspect them.
  2. Provide us with the following information if requested:
  • Original purchase receipts, valuations, and photographs of more expensive items.
  • Provide repair estimates for any damaged items.
  • For damaged items, confirmation by a qualified expert that the item You are claiming for is damaged beyond repair.

Insurers may need to send a member of their claims staff or a loss adjuster to find out more about your claim. A loss adjuster specialises in dealing with insurance claims. He or she will report to Insurers who will pay any fee involved.

Insurers may need to contact you for more information. Insurers claims staff take pride in their service and will do all they can to help you.

Unfortunately not, due to the sensitive nature of the information you must supply in order to take out a policy (e.g credit card details). We accept payment by credit or debit card or a PayPal account through a secure, reputable payment gateway, chosen due to the high level of security.

You have a 14 day "cooling off" period from the date of purchase during which, if your goods have not entered storage, you are entitled to a full refund of your insurance premium less an administration fee. Please log into your Account on the insurastore.com website and follow the on-screen instructions once you have viewed your policy and selected the "Cancel" option in the "My Account" section.

After the "cooling off" period, you may cancel cover at any time after the initial minimum cover period of 28 days by selecting the "Cancel" option in the "My account" section of the insurastore.com website and following the on-screen instructions. Provided you have not made a claim, you will be entitled to a refund of premium for the remainder of the period of insurance shown in the "Confirmation of Insurance" minus an administration fee.

If your policy was originally taken out after March 25th 2008, you are covered for physical loss of or damage arising from fire (and/or the additional perils listed below) to home contents and personal effects (including sport equipment, boats, motorcycles, cycles and trailers) occurring during the period of Insurance shown in the Confirmation of Insurance whilst in transit within an enclosed car or commercial road vehicle:-

  1. To the Self Storage Location shown on the Confirmation of Insurance from any location in the UK or
  2. From the Self Storage Location shown on the Confirmation of Insurance to any location in the UK.

The additional perils covered are:

  1. Road traffic accident where the conveying enclosed car or commercial road vehicle is also damaged and
  2. Theft where entry or exit was effected by forcible and violent means.

This insurance does not cover:

i) property relating to any business or commercial venture.
ii) loss or damage where the conveying enclosed car or commercial road vehicle was unattended.
iii) more than £10,000 or Your Sum Insured whichever is the least.

Log in into your account and go “to amend a policy”. From there you will be able to change the expiration date from 1 day up to 52 weeks from the time of the amendment.

You may extend your policy at any time by logging into your account and amending the end date of your policy. You can effectively extend your policy from 1 day up to 52 weeks from the time of the amendment.

The policy for your original facility is not valid for your new facility. You must cancel the existing policy relating to the previous facility and take out a new policy for your new facility. (You will be refunded for any remaining period of cover not used on the original policy minus a £3 admin fee)

One policy will cover multiple units within a single location storage facility. If however you have a number of storage units in several different locations, even if they are the same company, you will need individual policies for each storage location.

Our prices are so low we are not able to give discounts, but rest assured you are getting great value for money.

At the moment we do not have the facility to process direct debits. However you can buy insurance initially for a minimum of 28 days and then log in to your account and extend your policy as you wish (we always send you reminder emails to let you know when your policy is going to expire)

A few storage companies have adopted a company policy of not accepting any third party insurance, so if you store with them you have to buy their insurance. Our insurance is over and above industry standard and totally valid for any of the facilities on our database and is significantly cheaper...

Royal & Sun Alliance Insurance plc (No. 93792).

The insurastore.com policy is above industry standard and is underwritten by one of the largest underwriters in the UK, Royal & Sun Alliance Insurance plc, so please rest assured, that whilst the price is lower the quality certainly is not.

You can manage the amount of cover at any time by logging into your account and amending your policy accordingly.

As soon as you have paid for your insurance your policy will be available to download as a PDF directly from the Website. It is also sent to you as an attachment to an email. We do not send hard copies out by post.

Your policy has essentially lapsed and therefore you will need to take out a new policy by logging into your account and then taking out a new policy.

Log in to your account and click “my account” and then update details.

As long as you have computer access you can manage your account anywhere in the world and because our policy generates in PDF format you can email a copy of it straight to your storage company.

Unfortunately not. We can only insure goods stored at registered self storage facilities in the UK.

Ask a question through our contact form
or give us a call: Telephone (Monday - Friday, 9.00am - 5.00pm, excluding public holidays): 0845 0944 841. Calls cost up to 3.5p per minute plus your phone company's access charge.

Please note: we are unable to provide quotations by phone.

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Please enter the value of the goods you want to insure in the box above.

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royal sun alliance

Underwritten by Royal & Sun Alliance Insurance plc (No. 93792).
Registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).