Valuables in Storage Insurance
Specialist valuables in storage insurance trusted by customers across the UK since 2011. Flexible cover from one day to a full year, with annual policies available from just £18.23 and instant online proof of insurance arranged in minutes. Ideal for valuables, high-value personal belongings, collectables, jewellery, watches, small valuable items and other possessions stored in professional self storage facilities across the UK. Many customers also store valuables alongside boxes, furniture, household contents or other items in the same unit, and our policy can cover mixed contents stored together in professional storage facilities. You can also view our main self storage insurance page for full cover details and additional options.
Key Points – Valuables in Storage Insurance
Specialist Insurance for Valuables in Storage
Since 2011 we have been providing specialist storage insurance trusted by customers across the UK. Cover can start from just a single day or run for a full year, making it ideal for valuable items, jewellery, watches, collectables and other high-value personal belongings stored in professional storage facilities. It can also cover valuables stored alongside other contents in the same storage unit.
What Your Valuables in Storage Are Covered For
Cover applies to specified insured events including fire and smoke, theft following forcible and violent entry, storm and flood, escape of water or oil, insured external impact events, and vandalism or malicious damage, subject to the policy wording, terms, conditions and exclusions. General accidental damage is not included. It can also be suitable where valuables are stored alongside boxes, furniture, household contents or other possessions in the same storage unit.
Suitable for Most Valuable Item Storage Needs
Our policies are designed for professional storage facilities and are suitable for valuables kept in self storage units and similar accepted storage arrangements. They can also be suitable where valuable items are stored alongside other goods in the same unit, with instant proof of insurance available if required.
Extra Benefits Included at No Extra Cost
Every policy includes £2 million public liability insurance as standard. Policies also include instant online documents, flexible cover from 1 day to 365 days, limited goods in transit cover while transporting items directly to or from the storage facility, and pro-rata refunds where no claim has been made, subject to the policy terms and conditions.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your valuables in storage insurance in minutes. You can also review our FAQs before arranging cover.
Valuables in Storage Insurance – Why Choose Quote Monkey?
Quote Monkey provides affordable and trusted valuables in storage insurance for customers storing high-value possessions in storage facilities across the UK. Our flexible policies are suitable for jewellery, watches, collectables, keepsakes, valuable personal belongings and other possessions stored in professional self storage units. Cover applies to specified insured events such as theft, fire, flood and storm, subject to the policy wording, terms, conditions and exclusions, with instant online documents available when your storage provider requires proof of insurance. Many customers also store valuables alongside furniture, boxes, household contents or other items in the same unit, and mixed contents can be covered where stored together.
Valuables storage insurance is often useful for customers storing personal possessions during house moves, travel, renovations, downsizing, probate arrangements, inheritance situations or simply because they need secure off-site space for higher-value items. Our policies are suitable for use at most professional storage facilities across the UK, and proof of insurance can be provided instantly online.
Valuables in storage insurance is commonly used for:
Our policy is suitable for use at most professional storage facilities and documents can be issued instantly if your storage company requires proof of insurance. Customers should check the requirements of their chosen storage facility. Valuables worth £1,000 or less per item do not normally require individual specification. Valuables worth more than £1,000 must be individually specified online and remain subject to acceptance and the applicable policy terms.
We regularly arrange storage insurance for customers storing valuables during house moves, travel, refurbishment works, probate situations, inheritance arrangements and many other circumstances where important possessions need to be kept safely in storage for a short or longer period.
Valuables commonly stored in professional storage include:
Who Needs Valuables in Storage Insurance?
Our valuables in storage insurance is suitable for a wide range of customers, whether you are storing a few valuable possessions, a collection of higher-value items, sentimental belongings or valuables alongside other contents in professional storage. Quote Monkey offers flexible protection for many common valuable item storage needs across the UK.
Homeowners and Private Individuals
Ideal for customers storing personal valuables, jewellery, watches, keepsakes and other important possessions for short or longer periods.
Owners of High-Value or Multiple Items
Suitable for customers storing more than one valuable item, higher-value belongings or small private collections in professional storage facilities.
Customers Moving House or Downsizing
Useful for customers storing valuables during house moves, refurbishment works, downsizing, probate arrangements or when freeing up space at home.
Customers Needing Flexible Valuable Item Cover
A flexible option for customers needing reliable cover and instant proof of insurance for valuables stored in self storage, including where other contents are stored in the same unit.
How Much Does Our Self Storage Insurance Cost?
£10,000 of Cover from as Little as 25p a Day
Our self storage insurance is priced to stay competitive while remaining flexible. For example, insuring £10,000 worth of contents for a full 12 months costs just £90.54, which works out at around 25p per day for comprehensive protection and included public liability cover.
Annual cover is available from just £18.23 per year, making it one of the most affordable ways to insure items kept in self storage when compared to standard home insurance extensions or storage facility policies.
With £2 million public liability included as standard, pro-rata refunds potentially available if you move out early and no claim has been made, subject to the policy terms and conditions, and instant online quotes and documents, Quote Monkey offers excellent value self storage insurance trusted by customers across the UK since 2011.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
What Affects the Price of Your Policy
Storage Location – Some postcodes carry higher or lower risk for flood or theft.
Duration of Cover – Choose from 1 to 365 days; longer policies often work out cheaper per day.
Type of Goods – High-value items like jewellery, fine wine, or artworks may require tailored terms.
Ways to Keep Your Premium Low
Choose a well-maintained storage facility with strong security measures.
Select the correct sum insured — enough to replace your items but not over-estimating their value.
Instant Quotes and Flexible Payments
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
What Your Goods Are Covered For
Protection for Stored Contents Against Specified Insured Events
Our self storage insurance covers insured belongings against the specified insured events set out in the policy wording and schedule. Cover is subject to the policy terms, conditions, limits and exclusions and can apply to a wide range of personal and business contents.
Fire and Smoke Damage – Cover may apply where fire or smoke damages insured stored goods.
Theft or Attempted Theft – Cover may apply to theft following forcible and violent entry, subject to the policy requirements.
Storm and Flood – Cover may apply where an insured storm or flood damages stored belongings.
Escape of Water or Oil – Cover may apply to damage caused by an applicable insured escape of water or oil event.
External Impact Events – Cover may apply where an insured external impact event damages the storage building or insured goods.
Vandalism or Malicious Damage – Cover may apply where insured property is intentionally damaged by a third party.
Limited Goods in Transit Cover – Limited cover may apply during qualifying direct journeys to or from the insured storage location.
Illustrative Claim Scenarios
Electrical Fire: A neighbouring unit suffers an electrical fault that starts a fire, causing smoke and heat damage to insured furniture and household goods. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Storm Flooding: An insured storm or flood causes water to enter the unit and damage insured cartons of documents and clothing. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Break-in and Theft: Thieves gain access by forcible and violent entry and steal correctly declared insured power tools and bicycles. A claim for the insured goods may be covered, subject to the policy terms, conditions, limits and exclusions.
External Vehicle Impact: A delivery vehicle strikes the storage building and the insured external impact event damages boxed stock inside. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
These examples are illustrative only. Whether a claim is covered depends on the cause and circumstances of the loss and the policy terms, conditions, limits and exclusions.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
Specialist Cover for Students
Peace of Mind During Holidays and Gap Years
Perfect for university and college students who need to store their belongings during the summer holidays, a year abroad, or while moving between accommodation. Our self storage insurance covers clothing, books, furniture, computers, and personal electronics against fire, theft, flood, storm and more.
Policies can be arranged in the student’s own name, a parent’s name, or jointly—making it simple to keep possessions safe even if someone else is paying the premium.
Whether storing for a few weeks or the entire academic year, our flexible policies let you choose the cover period you need. If cover ends early and no claim has been made, a pro-rata refund may be available, subject to the policy terms and conditions.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
Types of Goods We Can Cover
Flexible Protection for Personal and Business Items
Whether you’re storing household contents, business stock, or specialist collections, our self storage insurance is designed to meet a wide range of needs. Cover applies whether you rent a professional self-storage unit, use a private storage room, or keep goods in a secure wooden crate or similar facility.
Household Contents – Furniture, furnishings, clothing, electrical appliances, books, and everyday possessions kept safe during a house move or long trip.
Business Property – Office furniture, archived documents, spare equipment, and retail stock that is stored but not used for trading inside the unit.
Valuables and Collectibles – Jewellery, gold, silver, coins, medals, stamps, fine wine, vintage watches, and other high-value personal collections (subject to underwriting approval and correct itemisation).
Art and Antiques – Paintings, sculptures, antiques, and bespoke artworks requiring specialist cover.
Bicycles and Sporting Equipment – Bicycles, electric bikes, sports gear, and leisure equipment kept securely between uses.
Tools and Equipment – Hand tools, power tools, and professional equipment for personal or business storage, provided the unit itself is not used as a workplace.
Illustrative Claim Scenarios
Fine Wine Fire Damage: A fire at the storage facility causes smoke and heat damage to correctly declared insured bottles of fine wine. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Jewellery Theft: Thieves gain access by forcible and violent entry and steal a correctly specified insured jewellery box. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Artwork or Antique Storm Damage: An insured storm damages the storage building and water enters the unit, damaging correctly specified insured artwork or antiques. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Bicycle or E-Bike Theft: Correctly specified insured bicycles are stolen following forcible and violent entry. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Business Stock Water Damage: An applicable insured escape of water event damages correctly declared insured retail stock. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Tools or Equipment Loss: Correctly declared insured tools are stolen following forcible and violent entry. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
All scenarios are illustrative and remain subject to the items being accurately declared, specified where required and insured when arranging the policy. Valuables worth more than £1,000 must be individually specified online and remain subject to acceptance and the applicable policy terms.
Whatever you need to store—whether everyday possessions or valuable investments—Quote Monkey can arrange cover for specified insured events, subject to the policy wording, terms, conditions and exclusions.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
Public Liability Insurance – Included as Standard
Essential Protection Required by Many Storage Facilities
Many professional storage facilities require customers to carry public liability insurance as part of their terms and conditions. This cover may respond if you are legally liable for accidental injury to a third party or accidental damage to third-party property in connection with the insured storage risk. Unlike some providers that charge extra or treat this as an optional add-on, Quote Monkey includes £2 million public liability cover as standard with every storage insurance policy. Requirements vary, so customers should check that the policy meets the requirements of their chosen storage facility.
What Public Liability Insurance Covers
Third-Party Injury – Cover may respond where you are legally liable for accidental injury to a third party in connection with the insured storage risk.
Property Damage – Cover may respond where you are legally liable for accidental damage to third-party property in connection with the insured storage risk.
Legal Defence Costs – Applicable legal defence costs may be covered where the policy responds, subject to the policy terms, conditions, exclusions and applicable limits.
Illustrative Claim Scenarios
Trip and Fall Incident: A friend helping you move items trips over a box left outside the unit and suffers an ankle injury. If you are legally liable and the policy applies, a claim may be covered, subject to the policy terms, conditions, exclusions and applicable limits.
Damage to Neighbouring Unit: A shelving unit inside your storage space collapses and damages goods stored in the unit next door. If you are legally liable and the policy applies, a claim may be covered, subject to the policy terms, conditions, exclusions and applicable limits.
More Illustrative Claim Scenarios
Water Damage Claim: A water leak from a fridge stored in your unit seeps into a neighbouring space and damages furniture. If you are legally liable and the policy applies, a claim may be covered, subject to the policy terms, conditions, exclusions and applicable limits.
Accidental Vehicle Impact: While manoeuvring a trolley or small vehicle, you accidentally dent another customer’s car parked in the loading bay. If you are legally liable and the policy applies, a claim may be covered, subject to the policy terms, conditions, exclusions and applicable limits.
The policy includes £2 million public liability insurance. Cover applies only where you are legally liable and the policy responds, subject to the policy terms, conditions, exclusions and applicable limits. Customers should check the requirements of their chosen storage facility.
Limited Goods in Transit – What’s Included
Important: This Is Not Comprehensive Transit Insurance
Our storage policy includes a limited level of protection for qualifying insured property, including eligible business goods, during qualifying direct journeys to or from the insured storage location, but it is not designed to be full goods-in-transit insurance. General accidental damage during loading or unloading is not automatically covered. Please read the scope, conditions and limits below and refer to your Schedule for exact terms.
Where and When Transit Cover Applies
Covered Property: Qualifying insured property, including eligible business goods, subject to the policy wording and schedule.
Covered Period: During the Period of Insurance shown on your Schedule.
Covered Vehicles: While goods are within an enclosed car or commercial road vehicle.
Covered Journeys: Direct transit to the Self-Storage Location shown on your Schedule from any UK location; or direct transit from that Self-Storage Location to any location within the British Isles.
Fire
What is covered: Damage caused by fire affecting the transporting vehicle or the goods inside.
Illustrative Scenario: A sudden engine fire in the removal vehicle causes smoke and heat damage to qualifying insured goods. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Road Traffic Accident
What is covered: Damage where the conveying enclosed car or commercial road vehicle is also damaged.
Illustrative Scenario: During a qualifying direct journey to the insured self-storage location, the enclosed transporting vehicle is involved in a road traffic accident. The transporting vehicle itself is damaged and qualifying insured goods inside are also damaged. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
General accidental damage during loading or unloading is not automatically covered. Road traffic accident cover requires the enclosed transporting vehicle itself to be damaged.
Theft
What is covered: Theft where entry to or exit from the vehicle was effected by forcible and violent means.
Illustrative Scenario: During a qualifying direct journey to storage, thieves gain entry to a locked enclosed vehicle by forcible and violent means and steal qualifying insured goods. A claim may be covered, subject to the policy terms, conditions, limits and exclusions.
Key Exclusions and Limits
No cover if the conveying enclosed car or commercial road vehicle was unattended at the time of the loss.
Monetary Limit: We do not cover more than £10,000 or your sum insured, whichever is the less.
Scope Reminder: This is a limited benefit and does not replace a comprehensive goods-in-transit policy for removals or commercial haulage.
Making a Claim
Notify Us Immediately of any event which might give rise to a claim under this section.
Hold Liable Responsible Parties – any carrier, bailee or third party in line with their terms of trade.
Provide a Written Report of the event to us as soon as possible.
Notify the Police promptly of any vandalism, malicious acts, theft or attempted theft involving the insured property.
Cover always applies subject to the full policy wording and the limits and conditions set out on your quotation, Schedule and Policy Document. If you require broader protection for removals or commercial transport, please contact us to discuss a dedicated goods-in-transit policy.
Policy Ownership – What Name Should the Policy Be In and Why It Matters
Ensuring the policy is taken out in the correct legal name is essential. In the event of a claim, the insured name on your policy must match the legal owner of the goods to help ensure that any settlement can be paid without unnecessary delay. If you are unsure which name to use—especially for shared ownership, business-owned goods, or items held on behalf of another party—our team can guide you during the quotation process.
Policies can be issued in a wide range of names including individuals, joint names, families, partnerships, limited companies, charities, trusts, estates, management companies, residents’ associations, and in some cases pension or SIPP arrangements, depending on the ownership of the goods being insured.
You can also ask for interested parties to be noted on the policy where appropriate, such as another individual, a joint owner, a lender, a bank, a finance company, a storage provider, or another organisation with a financial interest in the insured property.
If you need an interested party to be shown, there is a box on the online application form where these details can be added. This helps make sure the policy reflects the ownership and financial interest arrangements correctly from the outset.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also use the application form to add any relevant interested party details where required.
If you have any queries relating to our Self Storage Insurance please contact us and we will get back to you as soon as possible. You may also find useful information on the Self Storage Insurance FAQs page and the Self Storage Insurance news page.
Frequently Asked Questions About Self Storage Insurance
Below are answers to some of the most common questions about self storage insurance in the UK, including cover limits, policy duration, valuables in storage and how claims work.
Other Types of Storage Insurance We Offer
Explore our specialist storage insurance options for different items and storage needs across the UK:
Storage Insurance for Different Needs
We provide flexible storage insurance for a wide range of situations including moving house, student storage, business storage, short term storage and more.
Self Storage Insurance in Other UK Locations
We provide self storage insurance for customers across the UK, including the following major towns and cities: