Insurance Terms and Condition’s

Summary of Cover – Self Storage Customers’ Goods
Insurer: Royal & Sun Alliance Plc.

Overview

The Self Storage Customers’ Goods Policy is an insurance policy for Self Storage Operators to cover customers’ property against loss or damage whilst being stored. This Summary of Cover is for your guidance and explains both the principles of the cover and the terms and conditions of the insurance. If you fulfil the obligations noted herein you will become the beneficiary of the Self Storage Operator’s policy, subject to all terms and conditions noted below. In this document, “we”, “us” and “our” means the Insurer. “You” and “your” means the beneficiary of this cover. Your Self Storage Operator is not able to provide any advice regarding the suitability of this cover and cannot provide any additional information other than what is contained within this document.

What is Insured?

You are entitled to claim against the Self Storage Operator for loss, destruction, or damage to your property other than items and causes specifically excluded or restricted as stated within this Summary of Cover.
The settlement of any claim shall be the replacement, repair, and/or compensation at Insurers’ option.
No claim will attach for depreciation consequent upon such repair.
In the event of total loss, destruction, or damage beyond repair of any item, the basis of settlement shall be the cost of replacing or reinstating the item, providing the item is substantially the same as but not better than the original when new (“New for Old”).
“New for Old” cover shall not apply to household linen and clothing, and insurers will take into consideration the age, quality, degree of use, and consequent market value of any item.
Basis of settlement for documents: The basis of claims settlement shall be limited to the physical cost of replacing the documents, including reasonable costs of reprinting and/or reasonable costs of reissue and/or reconstitution, including, where applicable, fresh research or exploration to obtain essential information.

What is Not Insured?

You shall not be entitled to the first £50.00 of any claim (theExcess).
Loss or theft following violent and forcible entry to or exit from the storage unit.
Loss or damage during transportation arranged by the Self Storage Operator due to impact, overturning, fire, lightning, and explosion.
Loss or theft of items other than due to violent and forcible entry or exit.
Accidental damage caused by you.
Loss or damage during loading, unloading, and transit (unless arranged by the operator).
Items of irreplaceable or sentimental value.
Money, coins, bullion, deeds, bonds, securities, etc.
Livestock, plants, perishable goods, explosives, and flammables.
Jewelry, watches, precious stones, precious metals, stamps, furs, fine art, perfumery, tobacco, etc., exceeding specified values.
Electronic items exceeding a specified value.
Loss or damage due to wear and tear, inherent vice, or latent defect.
Loss or damage due to your willful misconduct.
Loss or damage caused by moths, insects, vermin (unless external to your unit).
Loss or damage due to ordinary leakage, loss in weight or volume, evaporation, or property nature.
Loss or damage caused by liquid leakage unless external to your unit.
Loss of structural integrity of furniture constructed of particle board.
Financial loss other than loss, destruction, or damage to insured property.
Loss or damage caused by mold, mildew, or rust unless due to water ingress from outside your unit.
Loss or damage caused by atmospheric or climatic causes.
Exclusion of pairs and sets: reimbursement limited to the actual value of the individual item.
Electrical, electronic, or mechanical derangement.
Loss or damage due to radioactive contamination, biological, bio-chemical, electromagnetic weapons, pressure waves, cyber attacks, war, or terrorism.

Are there any restrictions on cover?

Underinsurance: If the value declared by you is less than the actual total value of your property at the time of loss, then you will only be entitled to claim that proportion of the loss which the value declared bears to the total value of your property.
Non Contribution: If at the time of loss there is other insurance in force this cover shall only respond to the extent that losses are not recoverable under the other insurance.
Insurers’ Rights: Subject to payment of the actual value of a damaged item by Insurers, they may at their discretion take over ownership of the property. No property may be abandoned to Insurers.

Where am I covered?

Cover is in force while your property is stored at the premises of the Self Storage Operator. Limited cover is provided where transportation into and out of store is arranged by the Self Storage Operator.
Law & Jurisdiction: English Law and the exclusive jurisdiction of the High Court of Justice, England will apply.

What are my obligations?

To benefit from this cover, you are required to accept the appropriate option shown on the Self Storage Operator’s Licence Agreement and pay all charges in full.
You must declare the value of your property on a replacement-as-new basis. It is essential that you do not undervalue your property as the settlement of any claim may be reduced. Please do not ask your Self Storage Operator for guidance about your valuation. The responsibility for declaring the correct value is yours.
If you do not wish to benefit from this protection, any responsibility the Self Storage Operator may have to you, for loss or damage, will be governed by the terms and conditions of their Licence Agreement, which may limit both the circumstances and amounts available for compensation.

When and how do I pay?

You must pay all charges due to your Self Storage Operator in full before you can benefit from this cover. Please be aware that any insurancerelated charges are fees to cover the cost of administering and arranging this protection for you.

Coverage Period

This cover is only to pay for loss or damage discovered during the period of cover provided by the identified insurers.
Cover attaches from the time your property is placed into your storage unit(s) and ceases upon removal from your storage unit(s). Cover is in
force during loading and unloading or during transit where this is arranged by your Self Storage Operator.

How do I cancel the cover?

You may cancel the cover by giving notice to the Self Storage Operator prior to removing any property from store.

What if I have a claim?

Report any loss or damage to your Self Storage Operator immediately upon discovery and before removing any items from your storage unit. Provide full details of your claim within seven (7) days of discovery.
Take photographs of any damaged items and also further photographs showing all items stored, including those which are undamaged.
Make every effort to prevent further damage from occurring. If any item is wet or damp, move it away from any undamaged property and from any water source or leak.
If you believe items have been stolen, take photographs of the door, walls, or padlock to evidence forced access to/from your unit. Notify the Police immediately and take note of the Crime Reference Number, as this will be required by Insurers.
Make every effort to clean any damaged items, including dry cleaning or home laundry where possible. This will be requested by insurers before any claim settlement will be considered.
Where items can be professionally repaired, provide estimates for insurers’ approval before the work is carried out. For any items lost/stolen or damaged beyond repair, provide proof of ownership (including receipts) where possible, along with evidence to show replacement value.
Do not repair or replace items until you have been authorized to do so.
You will be issued with a claim form to complete and return to the Self Storage Operator, who will send it to the Insurers and/or their appointed representatives.
Once you have submitted details of your claim to your Self Storage Operator, you should contact the Insurers’ claims settling agent directly:
RCS, Swan House, Swan Centre, Leatherhead, Surrey, KT22 8AH, United Kingdom
Tel: +44 (0) 1372 385970
Email: info@removalclaims.co.uk
The above notification period is important for both you and Insurers. Late notification of a claim may prejudice your/Insurers’ position and affect how the claim is considered. Your claim will be dealt with as quickly as possible.
If any claim is found to be fraudulent in any way, this cover shall become void, and all claims shall be forfeited.

Complaints Notice

To address any issues with the service provided by Insurers or their claims settling agents, RCS, follow this procedure:
Contact the Adjuster handling your claim initially.
If you’re not satisfied with the response, please contact our Claims Manager directly:
Claims Manager, RCS
- Address: Swan House, Swan Centre, Leatherhead, Surrey, KT22 8AH, United Kingdom
- Tel: +44 (0) 1372 385970
- Email: info@removalclaims.co.uk
If you still wish to pursue matters further, you may be able to refer the matter to the Financial Ombudsman Service. Further details will be provided at the appropriate time.

This structured format should make it easier to understand and reference specific sections of the policy.