Storage License Agreement

Items not to be stored:

You must not store (and You must not allow any other person to store) any of the following in the Unit:- 1.1. food or perishable goods unless securely packed so that they are protected from and do not attract vermin; 1.2. plants, birds, fish, animals or any other living creatures; 1.3. combustible or flammable materials or liquids or gasses such as paint, petrol, oil or cleaning solvents; 1.4. firearms, explosives, weapons or ammunition; 1.5. chemicals, radioactive materials, biological agents; 1.6. toxic waste, asbestos or other materials of a potentially dangerous nature; 1.7. any item which does or could emit any fumes, smell or odour; 1.8. any illegal substances, illegal items or goods illegally obtained; 1.9. compressed gases; 1.10. any bullion, coin, precious stones, jewellery, money and securities; or 1.11. antiques and fine art unless specifically agreed with Us in writing, in advance of storing such Goods in the Unit.

Insurance Policy

Policy exclusions:

The exclusions listed below are section-specific exclusions. Where applicable, they shall only apply to the property of the customer whose property was the cause of, or connected with, the loss or damage.

The policy also includes additional general exclusions, which apply to the policy as a whole.

Should you wish to view all exclusions to our policy, a full copy of our policy wording is available for viewing at our office on request.

The policy does not provide any cover for loss or damage to, caused by, or connected with:

  1. Cars or other motor vehicles, including motorcycles and mopeds, caravans, boats and or trailers.

  2. Jewellery, watches, trinkets, precious stones, precious metals, coins, money, deeds, bonds, securities and stamps or collections of similar kind.

  3. Food and drink (however stored), and any other perishable goods, unless securely packed and protected from vermin and other pests.

  4. Plants, house plants, brittle objects, or items with inherent defects, however caused.

  5. Prohibited or stolen property, drugs, illicit (counterfeit/smuggled) tobacco or alcohol, and potentially dangerous, damaging or explosive items, such as gas bottles, aerosols, petrol, oil, cleaning solvents, paints, fireworks, firearms or ammunition.

  6. Animals and their cages or tanks, including pets, birds or fish.

  7. a. Portable battery chargers, battery pack, power banks or any similar portable power source; b. Lithium-ion batteries which exceed a watt-hour (Wh) rating of 160 Wh unless: i. such batteries are built in and cannot be removed from the battery powered item; and ii. there are no more than ten (10) such items in the storage unit; c. Lithium-ion batteries, or goods containing lithium-ion batteries, which have a watt-hour (Wh) rating of 160 Wh or less, where more than 20 are stored in any one unit; d. E-Scooters, E-Bikes, E-Skateboard or other similar battery powered vehicles or mobility products containing batteries unless there are no more than five (5) such items in the storage unit; e. laptops, tablet computers, children’s toys or other similar items or devices, or vapes or e-cigarettes, containing batteries unless there are no more than ten (10) such items in the storage unit; f. the charging of a battery/battery powered item within the premises or storage unit, unless the customer or owner is present at all times whilst such charging is being carried out.

  8. Mould or mildew, unless it can be reasonably demonstrated that such loss or damage arose as a direct result of an insured peril.

  9. The mysterious disappearance of customers property in store, unless it can be reasonably demonstrated that a loss resulted solely and directly from the dishonesty or willing action of the insured’s employee(s).

  10. Theft or attempted theft which does not involve entry to or exit from the premises or storage unit by forcible or violent means.

  11. Electrical or mechanical fault or breakdown unless this occurs as the direct result of an insured peril.

  12. Notwithstanding anything in this policy to the contrary, We shall not make any payment under this policy for damage connected with or comprising:

  13. flood

  14. flood connected with storm

  15. inundation by the sea

  16. rainwater induced run-off

  17. bursting or overflowing of wastewater, drainage or sewage pipes or systems due to storm, tempest or flood

  18. escape of water from the normal confines of any natural or artificial water course lake reservoir canal or dam