Wooden Crate Storage

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 and pro-rata refunds mean you only pay for the cover you need.

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.

Typical Example Claims

Fine Wine Damage: A temperature-control fault in the storage unit spoils a collection of vintage wine. Your policy covers the cost of replacing the affected bottles.
Jewellery Theft: Despite the facility’s CCTV and alarms, thieves manage to force entry and steal a locked jewellery box containing gold and diamond pieces. The policy reimburses the insured value of the stolen items.
Artwork or Antique Impact Damage: During routine maintenance at the storage site, a heavy object accidentally falls onto a packed sculpture crate, cracking the piece. The cost of specialist restoration is covered.
Bicycle or E-Bike Theft: High-end road bikes and electric bikes are stolen after an attempted break-in on a quiet night. The policy pays for replacement at current market value.
Business Stock Water Damage: A minor leak in the roof drips onto cartons of retail stock, causing staining and loss of resale value. The insurance covers the replacement cost of the damaged goods.
Tools or Equipment Loss: A contractor’s securely packed power tools are stolen while in storage during an off-season period. The policy provides compensation to replace them quickly.

All example claims are subject to you accurately specifying and insuring these items when arranging your policy. Declaring high-value goods such as jewellery, art, fine wine, or specialist collections ensures they receive the correct level of cover and can be fully protected if the unexpected happens.

Whatever you need to store—whether everyday possessions or valuable investments—Quote Monkey can arrange tailored protection so your belongings are covered for unexpected risks while in storage.

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 protects you if a third party is injured or their property is damaged in connection with your stored goods. 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. This ensures you remain fully compliant with most facility requirements without additional cost or administration.

What Public Liability Insurance Covers

Third-Party Injury – Protection if a visitor, staff member, or contractor is accidentally injured while near your storage unit.
Property Damage – Covers you if your goods, or a defect in your unit, cause damage to another person’s property.
Legal Defence Costs – Pays legal fees and expenses to defend a claim, even if you are not found liable.

Typical Example Claims

Trip and Fall Incident: A friend helping you move items trips over a box left outside the unit and suffers an ankle injury. Your policy covers medical expenses and compensation if required.
Damage to Neighbouring Unit: A shelving unit inside your storage space collapses and damages goods stored in the unit next door. The cost of repairing or replacing the damaged property is covered.
Water Damage Claim: A water leak from a fridge stored in your unit seeps into a neighbouring space and ruins furniture. Your public liability cover pays for cleanup and replacement costs.
Accidental Vehicle Impact: While manoeuvring a trolley or small vehicle, you accidentally dent another customer’s car parked in the loading bay. The policy reimburses the repair cost.

With £2 million public liability insurance automatically included, you can be confident that you are meeting facility requirements and are financially protected if an accident leads to injury or property damage linked to your storage unit.

Who Can Take Out This Insurance

Flexible Cover for Almost Any Legal Entity

Our self storage insurance is designed to be accessible and flexible. Policies can be issued in a wide variety of legal names, so you can arrange protection that accurately reflects how your goods are owned or managed. Whether you are an individual safeguarding personal belongings or an organisation protecting business stock, our cover can be tailored to your needs.

Private Individuals and Families – Ideal for personal household contents, furniture during a house move, family heirlooms, seasonal equipment, bicycles, or valuable collections such as jewellery and fine wine.
Partnerships – Suitable for small partnerships storing office furniture, stock awaiting dispatch, or equipment not required on site.
Limited Companies – Perfect for businesses keeping excess stock, archived documents, promotional materials, or specialist equipment safely off-site.
Charities and Not-for-Profits – Cover for donated goods, event equipment, or items awaiting sale or distribution.
Trusts and Estates – Protects valuable items such as antiques, art, and personal effects held during probate or estate management.
Management Companies and Residents’ Associations – Ideal for maintenance equipment, signage, or communal property securely stored away from public areas.
Personal Pensions or SIPP Arrangements – Suitable for assets such as investment-grade wine, artworks, or other physical holdings stored as part of a pension portfolio.

Why Correct Ownership 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 ensure that any settlement can be paid without delay. If you are unsure which name to use—especially for shared or business-owned property—our team can guide you during the quotation process.

With the flexibility to insure almost any legal entity and the ability to cover a wide range of goods, Quote Monkey makes it easy to protect what matters—no matter how it is owned or managed.