Content Cover

Content Cover provides protection against loss or damage to your goods during the period of storage and ensures that, in the unlikely event of loss or damage that you are not left out of pocket.

The License Agreement that you sign in order to store limits our liability however we are able to provide an enhanced position of liability up the maximum value you declare, with content cover to provide complete peace of mind to all customers.

Household policies often only cover goods whilst in your own house or in storage for a short period so the cover provided may be limited. Please contact your insurance provider if you want to use your own policy as we will need to make sure any cover mirrors the protection we are able to utilise under our cover. Also there are a number of advantages of using our cover over a household or commercial policy.

When you finalise your agreement with us, you will be asked to complete an inventory of items you intend to store. This will ensure that the insurance company can properly evaluate your claim in the event of a loss. As well as itemising your goods you will also be asked to provide their respective values, which again will help in the event of a claim.

Valuing your goods isn’t something that we can do for you, but we can give you some guidance, for example if you don’t know the value of something try searching that item on the internet, or use a catalogue service to derive a price.

If you are placing items into store which, if totally lost or destroyed, would not be easily valued by reference to list prices or the like, it is strongly recommended that you have recent pre-storage professional valuations or purchase receipts in your possession. It would be solely your own responsibility to provide evidence of values being claimed and if, to give an example, you lost a painting in a fire, this would be virtually impossible to prove unless you had formal documentary evidence prior to moving your property into storage.

For specialised items, particularly works of art or antiques, we would always recommended that you obtain recent professional valuations.

The basis of settlement is on a new for old replacement basis except for linen and clothing however there are some restricted and excluded items so please check in store for further details

• You shall not be entitled to the first £100.00 of any claim (the Excess).
• Excluded Property
  • Money, coins, bullion, deeds, bonds, securities and the like
  • Livestock
  • Jewellery, watches, precious stones, precious metals, and stamps of all kinds exceeding £1,000 in total
  • Furs, fine arts, mobile phones, perfumery, tobacco, cigars, cigarettes, beers, wines, spirits and the like; exceeding £15,000 combined total
  • Electronic items exceeding £15,000 in total. Electronic items are defined as all items of consumer and commercial electrical appliances and instruments including but not limited to radios, televisions, computers, computer software, hard drives, chips, microchips, printed circuit boards and their components, modems, monitors, cameras, facsimile machines, photocopiers, VCR’s, hi-fis, stereos, cd players and the like. (Heavy electrical items such as switchgear, turbines, generators and the like shall not be deemed to be electronics
  • Explosives and flammables
  • Loss of data records other than the cost of blank data carrying materials.
• Loss or damage caused by wear, tear, rust, gradual deterioration, inherent vice and latent defect.
• Loss, damage or expense attributable to your wilful misconduct.
• Loss or damage caused by mildew, mould, extremes of temperature or other atmospheric conditions.
• Loss or damage caused by ordinary leakage, ordinary loss in weight or volume, evaporation or nature of the property stored.
• Loss or damage caused by leakage of liquid from any receptacle or container.
• Mechanical or electrical damage or derangement of any mechanical or electrical goods unless reasonably attributable to physical damage to such items from an external cause, or following fire, flood, collision or overturning of road vehicle or other conveyance.
• Consequential loss, loss of market or delay of any kind or description
• Pairs & Sets Clause: Where any items are part of a pair or set, Insurers will only pay the replacement-as-new value for the actual parts which are lost or damaged. No payment will be made for articles that are not lost or damaged.
• Loss or damage from or liability or expense directly or indirectly caused by or contributed to, by, or arising from Radioactive Contamination, Biological, Bio- Chemical and Electromagnetic Weapons.
• Loss or destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
• Loss, damage, expense or liability of whatever nature arising out of or in any way connected with Cyber Attack whether directly or indirectly.
• Loss, damage, liability, claim, cost or expense of whatsoever nature caused by, contributed to by, resulting from, arising out of, or in connection with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease regardless of any other cause or event contributing concurrently or in any other sequence thereto.
• Loss or damage directly or indirectly occasioned by happening through or in consequence of war, invasion, acts of foreign enemy hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority. Loss or damage in respect of goods in storage caused by or resulting from Acts of Terrorism or any person(s) acting from a political motive.

• You must report any loss or damage to Storage Giant immediately upon discovery and before removal from your storage unit. You will be issued with a claim form to complete and return to Storage Giant, who will send it to the Insurers and/or their claims settling agent and respond back within 10 working days.
• Your claim will be dealt with as quickly as possible. To enable claims to be dealt with promptly you should:
  • Only claim for items that are lost or damaged and covered by the policy
  • Provide all available supporting documents without delay
  • Submit repair estimates, evidence of original/replacement purchase price and, photographs of any damage with your claim form
• If any claim is found to be fraudulent in any respect, this cover shall become void and all claims shall be forfeited.

• Both Insurers and their claims settling agent will make every effort to provide a good service to customers whom are entitled to claim from this cover. If on any occasion service falls below the standard we would like the opportunity to offer additional support to put things right.
• If no satisfaction is obtained, complaints should be referred to:
  • The Complaints Officer, Lonham Group Ltd,
    The Maltings, Princes Street, Ipswich, Suffolk, IP1 1SB, United Kingdom
    Tel: +44 (0) 1473 216 116
    Email: lonham@lonham.co.uk