Customer Goods Protection
Safeguard your belongings with StoreProtect, our comprehensive liability protection plan offering new-for-old coverage and zero excess fees for total peace of mind.
At Blue Bear Storage, we understand how important your belongings are to you. That’s why we offer StoreProtect, a comprehensive protection plan designed to safeguard your items while they’re in storage, providing an alternative to traditional self-storage insurance.
Why Choose StoreProtect?
StoreProtect provides enhanced liability coverage that goes beyond standard self-storage insurance policies. Here’s why it’s the best choice for protecting your goods:
- No Excess Fees: Unlike traditional insurance, StoreProtect has no excess fees, meaning you won’t have to pay out of pocket if your items are lost or damaged.
- Vermin Protection: StoreProtect covers damage caused by vermin, which many other insurance policies exclude.
- Preserve Your No-Claims Discount: Any claims made under StoreProtect won’t affect your household or business insurance no-claims discount, helping you avoid premium increases.
- Continuous Coverage: Once you opt-in, StoreProtect remains active throughout your entire storage period, giving you peace of mind from start to finish.
How Does It Work?
When you store your items with Blue Bear Storage, our standard contract includes the option to enhance your protection with StoreProtect. This plan ensures that, should the unexpected happen, your belongings are covered up to their full replacement value, provided you’ve accurately declared their worth.
What You Need to Know
- Replacement Value: Ensure that the Maximum Replacement Value you declare for your goods is accurate and sufficient to cover all items stored.
- Special Items: Items like household linens, clothing, and motor vehicles are covered on a like-for-like basis, accounting for wear and tear.
- No Coverage for Irreplaceable Items: Antiques, works of art, and other irreplaceable items are not covered on a new-replacement basis and are not suitable for self-storage.
How to Opt-In
To benefit from StoreProtect, simply declare the Maximum Replacement Value of your goods when you sign your storage agreement. If you need to adjust this value later, contact us, and we’ll update your coverage accordingly.
For more details, or if you have any questions about StoreProtect, contact us today to ensure your belongings are fully protected while in storage.
Check Out Our Storage Locations
At Blue Bear storage we offer all the following locations in efficient,
drive-up easy to access self storage solution
At Blue Bear storage we offer all the following locations in efficient, drive-up easy to access self storage solution
Frequently Asked Questions
Q: What is StoreProtect and how is it different from traditional insurance?
A: StoreProtect is an enhanced liability protection plan, not a third-party insurance policy. It is an agreement where Blue Bear Self Storage accepts liability for loss or damage to your goods while they are in our care. Unlike many standard home insurance policies which may not cover goods in storage or charge high excess fees, StoreProtect is designed specifically for self-storage. It offers “new for old” coverage and includes protection against risks often excluded by other policies, such as damage caused by vermin.
Q: How do I calculate the “Maximum Replacement Value” for my goods?
A: You must declare a value that represents the total cost to replace all your stored goods with new items, not their second-hand value. This is known as the Maximum Replacement Value. For example, if you bought a sofa five years ago for £500, but a comparable new one now costs £800, you should value it at £800.
It is vital to be accurate; if you undervalue your goods (under-insure), any claim payout will be reduced proportionally to reflect the difference between your declared value and the true replacement cost.
Q: Can I use my own insurance instead of StoreProtect?
A: Yes, you can decline StoreProtect, but you must provide proof that you have arranged your own adequate insurance cover that specifically includes goods in self-storage. We strongly recommend checking your private policy carefully, as many household insurers restrict coverage for items stored away from the home or exclude specific storage risks like vermin damage.