Having your possessions insured whilst stored at Big Padlock.
At Big Padlock we understand that the items you store with us are valuable to you. As such, we take every step to ensure that when you store your goods with us they are stored as safely and securely as possible. Saying this, incidents do happen that are outside of the control of a self storage operator (such as flooding / arson, storm damage) and that we would not be liable for and we therefore require all of our customers’ goods to be insured whilst in store with us to ensure peace of mind for all concerned.
This is a standard industry practice and a requirement of the Self Storage Association UK (SSA UK)
Can I provide my own insurance?
You can provide your own insurance but you must ensure that your policy covers goods placed in Self Storage and that the cover replicates the insured perils under the insurance arrangements we have available for our customers.
Most home insurance policies don’t cover goods and possessions stored in Self Storage so please make sure that you check the full policy details first. Our staff will need to see a copy of the insurance and it must state that the cover extends to storage at the specific Big Padlock location.
Unfortunately, most home insurance policies don’t cover personal possessions while they are in Self Storage. That’s why we’ve come up with a policy that will cover your possessions should the worst happen.
Big Padlock’s Cover
The cover we have with Insurers (Royal & Sun Alliance) is under a bespoke policy arranged by a specialist Self Storage Insurance broker (Basil Fry & Company- Self Storage Risk Solutions). In addition to the wide coverage provided for our self storage customers additional support is provided by way of a dedicated claims settlement service. This means that in the unlikely event of loss or damage you will be guaranteed a quick and professional outcome and further peace of mind.
Cover is provided in accordance with the attached Policy Summary which lists the conditions of the policy, insurer and broker details and excluded items.
By declaring the total value of your goods (if you had to replace them as new following a loss) and accepting the insurance charges, you can take advantage of this useful benefit.
We cannot advise you on the value of your goods so we prefer to wait until you have reserved your unit and are due to move in before discussing your declared values and requested insurance cover as these tend to change between initial reservation and move in.
Here is a copy of our insurance policy to see how you're covered.