Storage Insurance FAQs

Our specialist storage insurance protects your goods while they are kept in a professional self-storage unit or secure private facility. It covers fire, flood, theft, storm damage, burst pipes and more—even when your unit is unoccupied. Cover limits may vary depending on postcode, so please check your quotation for any exclusions.

Yes. Policies are flexible from 1 to 365 days and can be extended where required, subject to the policy conditions. If you move your goods out earlier than expected and no claim has been made, a pro-rata refund is available for the unused period, subject to the policy conditions.

Yes. We can arrange cover for private individuals, partnerships, limited companies, charities, trusts, management companies, or personal pension/SIPP arrangements. This ensures the correct legal owner is protected.

Yes. Every policy includes £2 million public liability cover as standard. This protects you if someone is injured or their property is damaged in connection with your stored items.

Yes. We can insure valuables such as jewellery, gold, silver, artwork, antiques, fine wine and specialist collections, subject to the policy terms. Valuables and bicycles generally need to be individually specified when worth more than £1,000 per item. Certain higher-value items may require underwriting approval.

Yes. Our policy includes limited goods-in-transit cover for home contents and personal effects during qualifying direct journeys to or from the insured storage location in an enclosed car or commercial road vehicle. Cover is limited to £10,000 or the sum insured, whichever is less, and applies only to specified insured events, including fire, certain road traffic accidents and theft involving forcible and violent entry or exit. Unattended vehicles are excluded. Please refer to the policy wording for the full conditions.

Our insurance certificates are accepted by many major UK self-storage operators and independent storage facilities. However, each storage company sets its own insurance requirements, so we recommend checking with your chosen facility before purchasing cover.

Key exclusions include wear and tear, deliberate damage, and business use of the storage unit for manufacturing or trading. In some postcodes certain flood or subsidence risks may be limited or excluded—your quotation and policy wording will set out all terms.

Cover starts from just a few pounds for short-term policies. Your exact premium depends on the total value insured, the location of the storage unit, and the duration of cover. Instant online quotes are available.

Yes, provided the goods are stored only and no business is operated from the unit. For example, storing retail stock, office equipment, or archived documents is acceptable.

Yes. You can contact us to request changes to your insured value, policy dates or other policy details, subject to acceptance and the policy conditions. If you cancel early and no claim has been made, a pro-rata refund is available for the unused period, subject to the policy conditions.

The standard policy excess is £50 for most claims. Any different excesses will be shown clearly on your quotation and policy schedule.

Immediately. Once payment is received, your certificate of insurance and full policy documents are emailed straight away and can also be downloaded from your customer account.

We have been protecting customers across the UK since 2011, with thousands of satisfied policyholders and over a decade of specialist experience.

If you need to make a claim, please follow the claims instructions in your policy documents as soon as possible. The insurer or claims team will explain what information is needed and guide you through the process.

Yes. Our policies are ideal for students storing belongings during university breaks, gap years or moves between accommodation. Cover can be arranged in the student’s name, a parent’s name, or jointly.

No. Our Storage Insurance policy operates on a Named Perils basis and does not provide general Accidental Damage cover. The policy covers loss or damage caused by the specific insured events listed in the policy wording, subject to the applicable terms, conditions, exclusions and limits.

Yes. Cover applies whether your goods are stored in a professional self-storage unit, a private lock-up, or a secure wooden crate, provided the location meets security requirements.

Yes. Goods stored in multiple rooms or units at the same storage facility can be covered under one policy. However, if your goods are stored at different storage facilities or addresses, a separate insurance policy is required for each location.

No detailed inventory is required, but you must accurately declare the total value and specify high-value or specialist items (such as jewellery, art, or fine wine) to ensure they are fully covered.

If your storage company ceases trading, your insurance does not necessarily end automatically. However, cover remains subject to the policy terms and conditions, including the security and suitability of the storage location. Please contact Quote Monkey if your storage provider closes or your storage arrangements change.

If the replacement cost of your goods increases, simply contact us to adjust your sum insured. This ensures you remain fully covered for their current value.

No. To keep premiums competitive and avoid interest charges, we only offer single upfront payment. However, you can choose short policy durations (from one day upwards) to suit your budget.

Yes. The limited goods-in-transit cover applies whether you transport items yourself or hire a professional removal service, provided the policy conditions are met.

No. Gradual wear, damp, mould is not covered. We recommend using professional packaging and choosing a climate-controlled unit to reduce these risks.