Frequently Asked Questions

Our cover for domestic contents includes your personal effects such as furniture, clothing, sports equipment, bicycles and motorcycles whilst within an individual self storage unit or within a building at the self storage location shown on the Confirmation of Insurance.

We can provide cover for goods listed in our business goods categories whilst within an individual self storage unit or within a building at the self storage location shown on the Confirmation of Insurance. Please contact us to insure goods valued at more than £20,000.

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.

Yes, you can. During the checkout process, choose the rolling policy option so your cover is renewed automatically when payment is taken every 28 days.

One of the great things about our self storage insurance is that it's completely flexible. You can choose to take out a policy with a fixed end date and then amend it online by logging into your account if you need to extend your cover. Alternatively you can choose to take out a rolling policy with regular payments every 28 days, which provides cover until you cancel the policy, assuming all premiums have been paid.

No. All queries should be submitted to NSIP, the self storage insurance provider, so that we can ensure fully trained, experienced insurance experts deal with your query promptly. This helps us provide a high level of customer service and prevents delays at the self storage facility.

NSIP is the self storage insurance provider. We operate the NSIP selfstorage.insure web site and deal with self storage insurance customer queries on behalf of self storage operators. We are regulated by the Financial Conduct Authority and all NSIP policies are underwritten by Allied World Assurance Company (Europe) dac, providing peace of mind and cover you can trust.

• 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

• 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.
• Click the “My Account” link on the NSIP website and follow the on screen instructions. Full details of any losses and/or damages incurred must be notified to NSIP Services Ltd 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.

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 the new replacement cost of any home contents and personal effects other than:

• the market value of any clothing, antiques, fine arts, boats, motorcycles, cycles and trailers.
• the cost of documents as new stationery.
• the cost of data storage media as new blank data storage media.

Insurers may not 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, due to the sensitive nature of the information you must supply in order to take out a policy (e.g. 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.

You may cancel cover at any time after the initial minimum cover period of 28 days by selecting the ‘Cancel’ option in the ‘My account’ section of the NSIP website and following the on-screen instructions. In either case provided you have not made a claim you will be entitled to a refund of the premium for the remainder of the period of Insurance shown in the Confirmation of Insurance minus any administration fees.

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:

1. property relating to any business or commercial venture.
2. loss or damage where the conveying enclosed car or commercial road vehicle was unattended.
3. more than £10,000 or Your Sum Insured whichever is the least.

Log in into your account and go to “amend a policy”. From there you will be able to change the expiration date from 1 day up to 52 weeks from the time of the amendment.

If you have taken out a period with a fixed end date, 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 from 1 day up to 52 weeks from the time of the amendment.

If you are on a rolling policy then your cover will continue until you cancel the policy, assuming all premiums are paid every 28 days.

The policy for your original facility is not valid for your new facility. You must cancel the existing policy relating to the previous facility and take out a new policy for your new facility. (You will be refunded for any remaining period of cover not used on the original policy minus an admin fee).

One policy will cover multiple units within a single location storage facility. If however you have a number of storage units in several different locations, even if they are the same company, you will need individual policies for each storage location.

At the moment we do not have the facility to process direct debits. However you can buy insurance cover on a monthly payment scheme that will ensure your cover will automatically continue until you cancel the policy, assuming all premiums are paid every 28 days through the automatic process.

You can manage the amount of cover at any time by logging into your account and amending your policy accordingly.

As soon as you have paid for your insurance your policy will be available to download as a PDF directly from the website. It is also sent to you as an attachment to an email. We do not send hard copies out by post.

Your policy has essentially lapsed and therefore you will need to take out a new policy by logging into your account and then taking out a new policy.

Log in to your account and click “My account” and then update your details.

As long as you have internet access you can manage your account anywhere in the world and because our policy generates in PDF format, you can email a copy of it straight to your storage company.

Allied World Assurance Company (Europe) dac

Our domestic insurance policy 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 of 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.

In addition to the domestic exclusions, business policies exclude the following cargo:

• 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.

Ask a question through our contact form or give us a call: Telephone (Monday - Friday, 9.00am - 5.00pm, excluding public holidays): 08000470930

Please note: we are unable to provide quotations by phone.