Online self storage insurance for the UK

Business Exclusions

Any business policy exceeding a sum insured value of £20,000 per customer must be referred to info@insurastore.com

In addition to the domestic exclusions, business policies exclude the following cargo. All requests for the excluded cargo must be referred to us for our consideration:

• 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.

Standard Exclusions

This insurance does not cover:

4.1 more than the Sum Insured shown in the Confirmation of Insurance.

4.2 more than £5,000 for any one item unless the item and its value is specified in the Confirmation of Insurance.

4.3 the first £25 of each and every claim increased to £100 in respect of damage caused by moth, insect or vermin.

4.4 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

4.5 any item that You are not permitted to store according to the terms of the applicable self storage licence agreement.

4.6 more than £500 for jewellery, watches, stamps and mobile telephones.

4.7 money, coins, bullion, precious stones, deeds, bonds, securities, credit/debit/charge cards, lottery tickets or scratch cards, consumer redemption vouchers/stamps/cards.

4.8 living creatures, plants.

4.9 more than 10% of Your Sum Insured in respect of any combination of the following bottled spirits, processed tobacco, tobacco products, bottled perfumery.

4.10 costs not directly incurred as a direct result of loss of or damage of the Property Covered

4.11 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.

4.12 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.

4.13 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).

4.14 loss of or damage to Property Covered caused by or arising from

a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

b) any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.

c) the radioactive, toxic, explosive or other hazardous properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof

d) the radioactive, toxic, explosive or other hazardous or contaminating properties of any 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.

e) any chemical, biological, bio-chemical or electromagnetic weapon.

4.15 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.