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Under the terms of the Licence Agreement, we agree to include cover for physical loss or damage of your property whilst stored with us within our own insurance arrangements only if you have indicated “yes” to the insurance option as described in clause 21A and all charges in this respect are paid. The details of our insurance arrangements are as follows.
Brit Insurance
The full true total maximum value of the goods at all times as declared to us on the Licence Agreement or elsewhere in writing. The sum insured shall in no circumstances exceed €50,000 for any one customer unless confirmed in writing by us. The total sum insured can be increased on payment of an additional charge, subject to the prior agreement of our Insurers.
Actual physical loss of or damage to our customers’ property caused by fire, lightning, explosion, earthquake, storm, flood, burst &/or leaking pipes, theft accompanied by forcible and violent entry or exit, riot, strike, civil commotion, malicious damage other than as excluded herein, subsidence and impact by vehicles or aircraft.
It is a condition of the insurance that the sum insured represents the full true total value of the property stored at all times. If you fail to declare the full replacement value of your property on the Licence Agreement, in the event of a claim we will only be entitled to recover on your behalf from our Insurers the proportion of the loss as the declared value bears to the total replacement value of your property.
The settlement of any claim shall be by replacement, repair and/or compensation at Insurer’s option. In the event of the total loss or destruction of any item insured under this Insurance, the basis of settlement shall be the cost of replacing the item as new provided that the item is substantially the same as but not better than the original when new.
Where any claim includes loss of or damage to any item(s) of household linen and clothing, Insurers will take into consideration the age, quality, degree of use and consequent market value of any such lost or damaged item(s).
Where any claim includes loss of or damage to documents the basis of settlement shall relate to the reasonable costs of reprinting and/or reasonable costs of reissue and/or reconstitution including, where applicable, fresh research or exploration to obtain essential information.
Insurers will not pay the first €70.00 of each claim per customer
Where any items are part of a pair or of a set Insurers shall only pay for the actual items which are lost or damaged. No payment will be made by Insurers for any items which are part of a pair or of a set and which are not lost or damaged.
All claims must be notified to us at the time of discovery of loss or of damage to your property or at the time of removal of your property from the unit, whichever is the soonest.
No cover is provided for the following
If your goods become lost or damaged and you wish us to make a claim on our insurance policy please notify us in writing. Your notification should be sent to us at the address or fax number detailed in your Licence Agreement. We will, within two business days of receiving that notification, notify the insurers of the claim. The insurers have appointed Cunningham Lindsey UK Limited, PO Box 22, Oakleigh House, 14-16 Park Place, Cardiff CF10 3DQ, to handle these matters on their behalf and they will contact you directly following our notification of the claim.
