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Self Storage Insurance

Specialist Self 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 household contents, personal belongings, business goods, stock, furniture, tools and other items stored in professional self storage facilities across the UK.

FCA regulated insurance broker • £2 million public liability included • Cover for fire, theft, flood and other insured risks is usually included automatically
Flexible cover from 1 day to 365 days • Instant policy documents • Accepted by most storage facilities

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Key Points – Self Storage Insurance

Flexible Cover for a Wide Range of Stored Goods

Since 2011 we have been providing specialist self 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 household contents, personal belongings, business goods, furniture, stock, tools and many other items stored in professional self storage facilities.

What Your Stored Items Are Covered For

Our self storage insurance protects stored goods against specified insured risks, including fire, smoke damage, theft following forcible and violent entry, storm damage, flooding, escape of water from burst pipes, impact by vehicles or other insured causes, and malicious damage, subject to the policy wording, conditions and exclusions. Cover operates on a Named Perils basis and does not include general Accidental Damage.

Suitable for Most Storage Facilities

Our self storage insurance is designed for professional self storage facilities and is widely accepted by major national storage providers and independent storage companies across the UK. This means customers can usually arrange cover quickly and provide proof of insurance immediately 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 if goods are removed earlier than planned, subject to policy conditions and no claim having been made.

Get Insured Instantly – Free Online Quote

Our instant online system allows you to get a quote and purchase your self storage insurance in minutes. You can also review our FAQs before arranging cover.

Self Storage Insurance – Why Choose Quote Monkey?

Quote Monkey provides affordable and trusted self storage insurance for customers storing household goods, personal belongings and business contents in self storage units across the UK. Our flexible policies are suitable for furniture, boxes, appliances, clothing, stock, tools, business goods and many other stored items. Cover protects against specified insured risks such as theft, fire, flood and storm damage, subject to the policy wording, conditions and exclusions, with instant online documents available when your self storage facility requires proof of insurance.

Self storage insurance is often useful for customers moving home, renovating, decluttering, travelling, running a business, storing stock or simply needing extra space. Our policies are suitable for use at most professional self storage facilities across the UK, and proof of insurance can be provided instantly online.

Self storage insurance is commonly used for:

Household contents Personal belongings Business goods Stock in storage Furniture storage Tools in storage Temporary storage Long term storage

Our self storage insurance policy is suitable for use at most professional self storage facilities and documents can be issued instantly if your storage company requires proof of insurance.

We regularly arrange self storage insurance for customers storing goods during house moves, renovation projects, travel plans, business growth, probate, landlord changes and many other situations where items need to be kept safely in storage for a short or longer period.

Items commonly stored in self storage include:

Furniture White goods Boxes Clothing Kitchen contents Beds Sofas TVs Personal belongings Books Business goods Tools

Who Needs Self Storage Insurance?

Our self storage insurance is suitable for a wide range of customers, whether you are storing household contents, personal belongings, business goods, stock or tools. Quote Monkey offers flexible protection for many common self storage needs across the UK.

People Storing Household Contents and Personal Belongings

Ideal for homeowners, tenants and families who need to store furniture, boxes and household goods for short or longer periods.

Businesses and Online Sellers Storing Stock or Goods

Suitable for customers storing business goods, stock, packaging, equipment and commercial items in professional storage facilities.

Landlords, Tradespeople and Property-Related Customers

Useful for customers storing tools, fittings, landlord contents, furnishings, replacement items and property-related goods.

Customers Needing Flexible Storage Cover

A flexible option for customers needing reliable cover and instant proof of insurance for a wide range of goods stored in self storage.

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 if you move out early, subject to policy conditions and no claim having been made, 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.

Valuables including jewellery, artwork and fine wine safely packed in boxes for insured self storage

What Affects the Price of Your Policy

Value of Goods Stored – Higher sums insured naturally increase the premium.
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

Keep an accurate, up-to-date inventory of your stored items.
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 a personalised quote in seconds with our easy online form. Cover can start the same day and is available from just one day up to a full year. If you remove your goods earlier than planned, we offer pro-rata refunds, subject to policy conditions and no claim having been made.
With straightforward pricing, flexible cover, and immediate proof of insurance, Quote Monkey makes it simple and cost-effective to protect your belongings in storage.

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.

UK self storage unit insured with Quote Monkey

What Your Goods Are Covered For

Named Perils Protection for Stored Contents

Our self storage insurance protects your belongings against specified insured risks faced by items in storage. Cover applies to a wide range of personal and business contents, subject to the policy wording, conditions, limits and exclusions.

Fire and Smoke Damage – Cover for insured fire and smoke damage affecting your stored goods.
Theft or Attempted Theft – Cover for qualifying theft or attempted theft following forcible and violent entry.
Storm and Flood – Cover for insured storm or flood damage at the storage site.
Burst Pipes or Escape of Water – Cover for insured damage caused by the escape of water from burst pipes.
Impact Damage – Cover for insured impact damage caused by vehicles or other specified causes.
Vandalism or Malicious Damage – Cover for insured malicious damage caused by a third party.
Limited Goods in Transit Cover – Limited protection for qualifying direct journeys to or from the storage facility, subject to the specific transit conditions.

Illustrative Examples of Potential Claims

Electrical Fire: A neighbouring unit suffers an electrical fault that starts a fire, causing smoke and heat damage to your furniture and household goods. Any claim would be assessed against the policy terms, conditions, limits, exclusions and circumstances.
Storm Flooding: Heavy rain causes the storage yard drains to overflow, letting water into the unit and damaging cartons of documents and clothing. Any claim would be assessed against the policy terms, conditions, limits, exclusions and circumstances.
Break-in and Theft: Thieves force open the facility gate and damage the lock on your unit, stealing power tools and bicycles. Any claim would be assessed against the policy terms, security requirements, conditions, limits and exclusions.
Vehicle Impact: A delivery truck accidentally reverses into the side of the storage building, shifting shelving and damaging boxed stock inside. Any claim would be assessed against the applicable insured peril, policy terms, conditions, limits and exclusions.

These examples are illustrative only. Whether a claim is covered depends on the policy terms, conditions, limits, exclusions and the circumstances of the loss.

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.

Student carrying boxes of books, clothes and electronics into a secure self storage unit for affordable student storage insurance

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 provides Named Perils cover for clothing, books, furniture, computers and personal electronics against specified insured events such as fire, certain theft losses, flood and storm, subject to the policy terms, conditions, limits and exclusions.

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 include pro-rata refunds if cover ends early, subject to policy conditions and no claim having been made.

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.

Insured personal belongings in a secure self storage unit

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 Theft: Thieves gain entry to an insured storage unit by forcible and violent means and steal a correctly declared collection of fine wine. Any claim would be assessed against the policy terms, security requirements, applicable limits and exclusions.
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. Any claim would be assessed against the policy terms, security requirements, applicable limits and exclusions.
Artwork or Antique Fire Damage: A fire at the insured storage facility damages a correctly declared artwork or antique. Any claim would be assessed against the policy terms, applicable limits, conditions and exclusions.
Bicycle or E-Bike Theft: High-end road bikes and electric bikes are stolen after an attempted break-in on a quiet night. Any claim would be assessed against the policy terms, security requirements, applicable limits and exclusions.
Business Stock Water Damage: Water enters a storage unit following an insured event and damages cartons of retail stock. Whether the loss is covered depends on the cause of the water damage and whether it falls within an insured peril, subject to the policy terms, conditions, limits and exclusions.
Tools or Equipment Loss: A contractor’s securely packed power tools are stolen while in storage during an off-season period. Any claim would be assessed against the policy terms, security requirements, applicable limits and exclusions.

All example claims are subject to the insured items being correctly declared and accepted under the policy. High-value goods such as jewellery, artwork, fine wine and specialist collections may require individual specification, additional security measures or underwriting approval. Any claim remains subject to the applicable policy terms, conditions, exclusions and limits.

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.

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.

Business stock protected with UK storage insurance

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 third-party injury or property damage in connection with your stored goods, subject to the policy terms, conditions, exclusions and applicable limits. 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 helps customers meet many facility requirements without additional cost or administration.

What Public Liability Insurance Covers

Third-Party Injury – Protection where you are legally liable after a visitor, staff member, or contractor is accidentally injured in connection with the insured storage risk.
Property Damage – Cover where you are legally liable because your goods, or a defect in your unit, cause damage to another person’s property.
Legal Defence Costs – Cover for eligible legal defence costs, subject to the policy terms, conditions, exclusions and applicable limits.

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. Cover may respond if you are legally liable, 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. Cover may respond if you are legally liable, subject to the policy terms, conditions, exclusions and applicable limits.

More Example Claims

Water Damage Claim: A water leak from a fridge stored in your unit seeps into a neighbouring space and ruins furniture. Cover may respond if you are legally liable, 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. Cover would depend on legal liability and the policy terms, conditions, exclusions and applicable limits; not every vehicle-related accident is covered.

With £2 million public liability insurance automatically included, protection is available where you are legally liable for covered third-party injury or property damage linked to the insured storage risk, subject to the policy terms, conditions, exclusions and applicable limits.

Get an instant online quote for storage insurance in the UK

Limited Goods in Transit – What’s Included

Important: This Is Not Comprehensive Transit Insurance

Our storage policy includes a limited level of protection while your goods are being moved, but it is not designed to be full goods-in-transit insurance. Please read the scope, conditions and limits below and refer to your Schedule for exact terms.

Where and When Transit Cover Applies

Covered Property: Home contents and personal effects only.
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.

Example Claim: A sudden engine fire in the removal vehicle causes smoke and heat damage to cartons of clothing and personal belongings. Any claim would be assessed against the transit cover terms, conditions, limits and exclusions.

Road Traffic Accident

What is covered: Damage where the conveying enclosed car or commercial road vehicle is also damaged.

Example Claim 1: During a move to a self-storage facility, the removal van is involved in a road traffic accident. Several packed boxes of furniture and electronics are damaged.

Theft

What is covered: Theft where entry to or exit from the vehicle was effected by forcible and violent means.

Example Claim: During a qualifying direct journey to the insured storage facility, thieves force open the rear doors of an attended, enclosed removal van and steal boxes containing clothing and household belongings. Any claim would be assessed against the transit cover 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.

Modern UK self-storage facility with secure individual units for personal or business storage insurance

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.

Our specialist storage insurance is designed for goods kept in self-storage units and other accepted storage locations in the UK. Cover operates on a Named Perils basis and protects insured contents against the specific events listed in the policy wording, such as fire, certain theft losses, storm, flood and other insured risks. General Accidental Damage is not included. Please check your quotation and policy documents for the applicable terms, limits, conditions and location-specific restrictions.
Yes. Cover is flexible from 1 to 365 days, and annual cover is also available. If you no longer need the policy, pro-rata refunds are available for the unused period, subject to policy conditions and no claim having been made.
Yes. Policies can be arranged in a wide range of names including individuals, families, partnerships, limited companies, charities, trusts, estates, management companies, residents’ associations and personal pension or SIPP arrangements, provided the proposer has the correct insurable interest.
Yes. Every policy automatically includes £2 million public liability cover as standard. This protects you 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, subject to the policy wording.
Yes, subject to the policy terms and correct declaration. Non-valuables do not normally need to be specified regardless of value, but valuables and bikes usually need to be specified if they are worth more than £1,000 per item. Higher-value items can often be added during the online quote process, with some items referred for approval where required.
Yes. The policy includes limited goods in transit cover. This applies to physical loss or damage while insured contents are in direct transit to or from the storage location within the UK or British Isles in an enclosed car or commercial vehicle, subject to the policy terms. Cover is limited to £10,000 or the sum insured, whichever is less, and applies only to the specified perils set out in the wording, such as fire, certain road traffic accidents and theft involving forcible and violent entry or exit. Unattended vehicles are not covered.
Our documents are widely accepted by many major UK self-storage operators and other storage providers. However, each facility sets its own requirements, so it is sensible to check with your chosen site if you are unsure.
No. Many storage facilities allow customers to arrange their own insurance as long as suitable evidence of cover is provided and the policy meets the facility’s requirements.
Yes. As with all insurance policies, exclusions and conditions apply. These commonly include wear and tear, gradual deterioration, damp, mould, vermin, deliberate damage, and any loss not insured under the wording. You should always read your quotation, schedule and policy wording carefully so you understand the exact cover provided.
The premium depends on the sum insured, the storage location, the type of goods being stored and the length of cover required. We provide instant online quotations, and annual cover is available from £18.23 for some risks.
Yes. We can insure both personal and business goods in storage, subject to the policy terms. This can include items such as stock, tools, equipment, office contents and archived materials kept in storage rather than used from the unit as an active trading location.
Yes. If you need to change the insured value, amend the dates or make another adjustment, please contact us. If cover is cancelled early, a pro-rata refund may be available for the unused period, subject to policy conditions and no claim having been made.
Immediately in most cases. Once payment has been completed, your certificate and policy documents are usually issued straight away by email, and can also be accessed through your account where applicable.
Quote Monkey has been providing specialist insurance products since 2011 and has helped customers across the UK arrange cover for goods kept in storage.
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. Storage insurance can be suitable for students storing belongings during university holidays, placements, gap years or moves between accommodation, provided the policy is taken out in the correct name and for the correct contents value.
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, subject to acceptance of the storage location and the policy terms. Our insurance can cover goods stored in many types of recognised storage arrangements, including self-storage units and container storage, where accepted under the scheme.
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.
A full inventory is not normally required when taking out cover, but you must declare the total replacement value accurately. Where items need to be specified, such as certain valuables or bikes above the automatic limit, these should be listed correctly during the quote process.
You should contact us if the replacement value of your goods increases so that the sum insured can be reviewed and, where necessary, amended. Underinsurance could affect a claim settlement.
No. Cover is arranged on a single upfront payment basis. However, you can choose a short policy period from one day upwards, or arrange annual cover where appropriate.
The limited goods in transit section may still apply where someone else is transporting the insured goods, but cover always depends on the exact circumstances and whether all transit conditions are met. Please refer to the wording for the full requirements.
No. Gradual deterioration, damp, mould, mildew, vermin and general wear and tear are not covered. Suitable packing, protection and a well-maintained storage environment are important.

Self Storage Insurance in Other UK Locations

We provide self storage insurance for customers across the UK, including the following major towns and cities:

Quote Monkey provides specialist storage cover for customers across the UK. For full policy information, cover details and eligibility, please visit our main Storage Insurance page.