Insurance
Do You Need Insurance for a Self-Storage Unit?
Yes. Whether you’re storing household items, furniture, or business stock, self-storage insurance is essential when renting a storage unit with Kwik Storage. Insurance protects your belongings against unexpected loss or damage while they’re in storage.
Is Self-Storage Insurance Required by Law in the UK?
No, self-storage insurance is not legally required in the UK. However, most storage providers, including Kwik Storage, require customers to have insurance in place as part of the rental agreement.
This requirement ensures your stored items are financially protected against risks such as fire, theft, flooding, or accidental damage.
Why Do You Need Insurance for a Storage Unit?
Even in secure, professionally managed facilities, unforeseen events can occur. Storage insurance gives you peace of mind by protecting the value of your belongings while they are off-site.
Most facilities, including Kwik Storage, will not allow you to move in without proof of insurance that meets minimum cover requirements.
What Does Self-Storage Insurance Cover?
Self-storage insurance typically covers physical loss or damage caused by events including:
Is Self-Storage Insurance Required by Law in the UK?
No, self-storage insurance is not legally required in the UK. However, most storage providers, including Kwik Storage, require customers to have insurance in place as part of the rental agreement.
This requirement ensures your stored items are financially protected against risks such as fire, theft, flooding, or accidental damage.
Why Do You Need Insurance for a Storage Unit?
Even in secure, professionally managed facilities, unforeseen events can occur. Storage insurance gives you peace of mind by protecting the value of your belongings while they are off-site.
Most facilities, including Kwik Storage, will not allow you to move in without proof of insurance that meets minimum cover requirements.
What Does Self-Storage Insurance Cover?
Self-storage insurance typically covers physical loss or damage caused by events including:
- Fire or lightning
- Explosion
- Storm or flood damage
- Earthquake
- Burst or leaking pipes
- Water or liquid leaks from external sources
- Aircraft or items falling from aircraft
- Theft involving forced entry or exit
- Vandalism or malicious damage
- Riots, strikes, or civil unrest
- Impact or collision from vehicles or other objects
- Damage caused by moths, insects, or vermin (from external sources)
👉 Coverage varies by provider, so always review your policy wording carefully.
How Much Does Self-Storage Insurance Cost in the UK?
The cost of self-storage insurance depends on several factors, including:
How Much Does Self-Storage Insurance Cost in the UK?
The cost of self-storage insurance depends on several factors, including:
- The total value of the items you’re storing
- The type of goods (e.g. furniture, electronics, documents)
- Risk level (high-value or fragile items may cost more to insure)
- The size and location of your storage unit
Insurance premiums are usually calculated per £1,000 of declared value.
How to Choose the Best Self-Storage Insurance Provider
When comparing self-storage insurance policies in the UK, consider the following:
Key Things to Check
How to Choose the Best Self-Storage Insurance Provider
When comparing self-storage insurance policies in the UK, consider the following:
Key Things to Check
- What risks are covered (e.g. flood, theft, vermin)
- Maximum claim limits and item category caps
- Policy exclusions (electronics, jewellery, or high-value items may be excluded)
- Cost per £1,000 of cover
- How simple and fast the claims process is
Choosing the cheapest policy isn’t always best — make sure it provides adequate protection for your stored goods.
Insurance Requirements Before Moving Into Kwik Storage
Insurance Requirements Before Moving Into Kwik Storage
Before moving into your storage unit, Kwik Storage requires all stored contents to be covered by an active insurance policy that meets our minimum criteria.
How to Arrange Self-Storage Insurance
How to Arrange Self-Storage Insurance
Step 1: Choose an Insurance Provider
You can either:
- Take out insurance with a third-party UK provider, or
- Extend cover through an existing household or business insurance policy
The policy must specifically cover items stored off-site.
Step 2: Review the Policy Terms
Check coverage limits, exclusions, excesses, and any special conditions to ensure your items are fully protected.
Step 3: Declare the Value of Your Items
Accurately declare the replacement value of all items you plan to store to ensure adequate cover.
Step 4: Provide Proof of Insurance
A copy of your insurance policy must be emailed to hello@kwikstorage.co.uk within 24 hours of your move-in date.