Unfortunately, we are unable to cover goods in this type of storage.  We can only provide insurance for goods in recognised storage facilities.

If it is a recognised storage facility and it is not already on our list, please let us know.

Our Approvals Team will have a look at the facility and try to get it added to our database / website for you.  This can take up to 5 working days once we have obtained the necessary information from the storage facility.  To speed the process up, please ask your facility to register with us on our website.

We aim to contact the storage facility within 2 working days of the request.  Unfortunately, we have no control over how quickly they reply to us but we will come back to you as soon as we hear from them.

Under a domestic policy, 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 at the self storage location shown on the Confirmation of Insurance. We also cover property relating to businesses and commercial enterprises. All business requests for excluded cargo must be referred to us for consideration (please see separate FAQ).

Our insurance 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 to 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.

For business policies, please see Section 4.6 of the relevant Terms & Conditions for additional exclusions.

Before purchase, any business policy with a sum insured figure exceeding £20,000 must be referred to insurastore.com so that approval may be sought from our Underwriters.

In addition to the domestic exclusions, business policies exclude the following cargo. All requests for goods which include any items on the excluded cargo list must be referred to us for consideration by our Underwriters:

• 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.

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.

• 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.

For business policies:

a)  The Property Covered other than listed in b) and c) below must be valued at their cost price or market value whichever is the least.

b)  The goods contained in the category 'Office Papers & Documents' must be valued at the new stationery cost.

c)  Data storage media must be valued at the cost of new blank media.

Please click here to get a quote.

Yes.  We offer lower rates for policies taken over longer terms, provided they are paid for as a single payment.

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

Yes, we offer the option to set up regular payments, which will be taken on the same date each month (or following business day if applicable).

As soon as you have successfully paid for your insurance, you will receive email confirmation and your policy documentation will be available to download directly from the website.  We do not send hard copies out by post.

You may cancel your policy at any time after the initial minimum cover period of 28 days by logging into your account on our website (start on 'My Account’ in the top right hand corner of the home page).  Please select 'Your Policies' then click on the 'Cancel Policy' button on the right hand side 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 any administration fees.

Please note that if you are cancelling under the "cooling off" period of 14 days from when the policy was taken out, you will receive a full refund of the premium paid.  This is provided you have not used the cover, ie placed any goods into storage and provided you have not made a claim against the policy.

If your policy was originally taken out after March 25^th 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.

Yes, you can manage the amount of cover at any time by logging into your account ('My Account' in the top right hand corner of the home page).  Please then select 'Your Policies' then click on the 'Policy Details/Update' button on the right hand side.

Please click on the green 'Edit' button just underneath the list of documents, then you can make any changes to the details below.  Click on 'Save' at the top and the screen will then show the change to the premium.  You will need to select 'Confirm changes' for this to take effect and pay any additional premium.

No.  One policy will cover multiple units at the same storage location.  The sum insured amount on your policy should cover the value of the goods in all your units.  If however, you have a number of storage units in more than one different location, even if they are with the same storage company, you will need individual policies for each location.

Unfortunately, the policy for your original facility will not be valid for your new facility. You will need to cancel the policy relating to the original facility and take out a new policy for your new facility.  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 any administration fees.

A few storage facilities have adopted a company policy of not accepting any third party insurance, so if you store with them, you have to buy their insurance.  However, our policies would be valid for any of the facilities on our database and can be significantly cheaper...…

The insurastore.com policy is above industry standard and is underwritten by Allied World Assurance Company (Europe) dac, so please rest assured, that whilst the price is lower, the quality certainly is not.

Log in to your account ('My Account' in the top right hand corner of the home page) and select 'Your Policies' then 'Policy Details/Update' on the right hand side.  From here, you should click on the green 'Edit' button just underneath the list of documents.  Scroll down to change the "End date" for the cover, where you can renew for anything from 1 day to 53 weeks from the time of this amendment. Once done, click on the green 'Save' button at the top of the page, when you will then be shown the additional premium now due.  Please make sure you click on "Confirm changes" or this will not take effect and pay any additional premium due.

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 for anything from 1 day up to 53 weeks from the time of the amendment.

To do this, start by clicking on 'My Account' in the top right hand corner of the home page and once logged in, select 'Your Policies' then 'Policy Details/Update' on the right hand side.  From here, you should click on the green 'Edit' button just underneath the list of documents.  Scroll down to change the "End date" for the cover and once done, click on the green 'Save' button at the top of the page.  You will then be shown the additional premium now due.  Please make sure you click on "Confirm changes" or this will not take effect and pay any additional premium due.

Your policy has essentially lapsed and you will therefore need to take out new cover.  To do this, simply log into your account (using your existing log in details) and take out a fresh policy.

As long as you have access to the internet, you can manage your account anywhere in the world.  When you log into your account, you can download and email a copy of your policy documentation straight to your storage company.

• 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.
• Log into your account ('My Account' in the top right hand corner of the home page) and select 'Your Policies'. Click on the 'Make a claim' option on the right hand side and then complete the required details on the claim form, pressing 'Submit claim' once done. Full details of any losses and/or damages incurred must be notified via the website 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.

Please note that all claims are handled by the Claims department of our Underwriters.

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.

For business policies:

a)  The Property Covered other than listed in b) and c) below, must be valued at their cost price or market value whichever is the least.

b)  The goods contained in the category 'Office Papers & Documents' must be valued at the new stationery cost.

c)  Data storage media must be valued at the cost of new blank 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. We can only insure goods stored at registered self storage facilities in the UK.

Please log in to your account on the website ('My Account' in the top right hand corner of the home page) then click on 'Your Details'.  You are able to update any of your information here, including address, telelphone number, email address and contact preferences.

insurastore.com is underwritten by Allied World Assurance Company (Europe) dac.  They are authorised by the Prudential Regulation Authority as an insurance company and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.   

7.  CLAIMS PROCEDURE

Select the ‘Make a Claim’ option on the insurastore.com website and follow the on screen instructions. To help Us deal with Your claim, You must:

•      not throw aware any damaged items before We have had chance to inspect them

•      provide us with the following information if requested:

a)       original purchase receipts, valuations, and photographs of more expensive items

b)      provide repair estimates for any damaged items

c)      for damaged items, confirmation by a qualified expert that the item You are claiming for is damaged beyond repair.

8.  FAIR PROCESSING NOTICE

Data Protection

Allied World Assurance Company (Europe) dac (the ‘Insurer’) is committed to compliance with the E.U. General Data Protection Regulation and any applicable implementing or supplementing laws, rules or regulations, and as each may be updated, amended or superseded from time to time. The Insurer may collect, use, store, disclose and otherwise process personal data for purposes such as assessing risk and providing insurance, administering a policy and assessing and managing claims. Personal data may be obtained by the Insurer directly from the Insured or via a third party such as an insurance intermediary. If such personal data is not provided, the Insurer may not be able to provide insurance, administer the policy, process a claim or make payments.

The Insurer’s personal data privacy policy statement contains information on the types of personal data the Insurer collects; from where it collects such personal data; the purposes and lawful bases for why it collects such personal data; to whom it discloses or transfers such personal data, such as to related parties or third parties (including outside of the European Economic Area) to, among other things, provide services associated with this Policy or to verify information or prevent or detect fraud; and the retention of such personal data. It also contains information on how the Insured can exercise its rights, including, under certain circumstances, a right to access the personal data the Insurer holds about the Insured, to seek rectification or erasure of such data, to restrict or object to the processing of such data, to data portability, to lodge a complaint, or, where processing is based on consent, the right to withdraw consent.

Please see the Insurer’s personal data privacy policy statement for further information in accordance with applicable laws at https://www.alliedworldinsurance.com//europe-uk

A copy may also be requested from, or any personal data privacy queries directed to, dataprotection@awac.com

Allied World Assurance Company (Europe) dac is a private company registered in Ireland with its registered office

at 3rd Floor Georges Quay Plaza, Georges Quay, Dublin 2, Ireland and its UK branch office at Floor 19, 20

Fenchurch Street, London EC3M 3BY. The company is authorised by the Central Bank of Ireland and subject to

limited regulation by the Financial Conduct Authority. Details of the extent of regulation by the Financial Conduct

Authority are available on request.

Our telephone line is for technical website support and general enquires regarding the website only. 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 at info@insurastore.com and we will get back to you as soon as possible.

Telephone (Monday - Friday, 9.00am - 5.00pm, excluding public holidays): 0845 0944 841

Please note: we are unable to provide quotations or take payment over the phone