Extended Liability Service FAQs
What is Extended Liability Service?
Extended Liability Service is the is the name of the contents protection we can offer you whilst your goods are in storage. This will provide adequate cover for your goods whilst they are away from home in self-storage. The coverage provided protects your goods against, but is not limited to: water leaks, theft by forcible violent entry or exit, moth/insect damage, lightning, fire, explosion, earthquake, storm, flood, riot, strike etc.
Why is this change being implemented?
Insurance companies are changing the format in which self-storage companies provide cover to their customers. Rather than having a direct relationship between the customer and the insurer, it’s now an extension of Cinch Self-Storage’s policy. Nothing changes in how claims are made.
Is there any impact to me and my goods?
For now, there is no impact to you or your goods being stored with us. If you currently have a contents insurance policy with us, the Extended Liability Service will automatically replace your existing policy with no breaks, so your goods will stay protected.
What happens if I do not want coverage under this new Service?
We would always recommend using our own self-storage specific contents protection provided through our Extended Liability Service, which in the event of a claim, will provide you with both the appropriate cover and dedicated support. Third party policies may not be able to provide this level of service in helping you process any claim.
Not all household insurances will cover you whilst your possessions are away from your home in a self-storage facility. Please check the terms of your policy to ensure they cover your goods when stored in a self-storage facility.
If choosing to arrange your own insurance cover, your policy must provide the same high level of cover as Cinch Self-Storage’s Extended Liability Service. Your documentation, certificate, cover note and/or correspondence will be checked by a member of our team for compliance. Please remember it is your responsibility to keep your policy documentation valid and up to date.
Who do I contact if I have more questions about the Extended Liability Service?
If you have questions about the Extended Liability Service we offer, please reach out to a member of the store team and they will be happy to answer your queries. The terms and conditions can be found below.
EXTENDED LIABILTY SERVICE
Extended Liability under this Condition 46 applies if You have selected and We have agreed to provide You with Extended Liability and you are up to date with payment of the Extended Liability Fee. If there are any inconsistencies between this Condition 46 and any other Conditions, the terms of this Condition 46 will apply.
Where Extended Liability applies the Goods will be protected from loss, damage or destruction caused by the following: handling by Our employees, fire, explosion, storm, bursting and/or leaking pipes, water or other liquids entering the Unit, moths, insects, vermin, theft by force and violent entry into or out of the unit or building, malicious damage, and impact by vehicles. Where Extended Liability applies, and We incur a liability to You for loss, damage or destruction of the Goods (or part thereof) arising from any of these causes then the £100 limit of liability provided for by Condition 27 shall not apply to that claim.
Where Extended Liability applies, we will not be liable for the first £100 of any claim for loss, damage or destruction
We will not compensate You for more than £50,000, except where agreed in writing at Our discretion. In any event our liability to You will not exceed the replacement value of goods declared to Us by You. Furthermore, if it is established that the value of the Goods stored exceeds the replacement value you have declared Our liability will be reduced to reflect the proportion that Your declared value bears to their actual value.
Even where Extended Liability under this Condition 46 applies our liability in respect of the following items shall be limited to the amount set out below (unless We agree in writing to accept higher limits of liability for such items):
- Jewellery, Watches, Precious Stones, Stamps of all kinds combined total of GBP 500.
- Furs, fine arts, perfumery, tobacco, cigars, cigarettes, beers, wines, spirits and similar items combined total of GBP 10,000.
- Electronic items combined total of GBP 10,000. Electronic items are all consumer and commercial electrical appliances and instruments including but not limited to radios, televisions, , mobile phones, computers, laptops, tablets, computer software, hard drives, chips, microchips, printed circuit boards and their components, modems, monitors, cameras, facsimile machines, photocopiers, hi-fi, stereos, CD players. (Heavy electrical items such as switchgear, turbines and generators are not deemed to be electronics)
Insofar as You have stored any items described in Condition 18, where We have not given You written permission to do so, then such items will not fall within the scope of this Condition 46 and such items will be excluded from its operation.
The replacement value of the Goods shall not include:-Sentimental or non-financial value in any Goods; and/or any additional value which an item has by reason of it being part of a pair or set; and We shall have no responsibility to compensate you in respect of the such matters.
Where extended liability applies We will have no other liability for loss, damage or destruction to the Goods (or part thereof), other than provided for in this Condition 46.
You must inform Us of the loss or damage to Your Goods as soon as possible at the time of discovery, either in person at store reception or by calling or emailing Us as per the store contact details set out in Your Licence. You must in any event inform us within 24 hours of discovery or removal of the items from the Facility, whichever is the earlier. We will provide You with a form with which You must complete to make a request for compensation.
You must provide Us or an agent appointed by Us to investigate Your request for compensation, with such information and evidence as reasonably requested.
If We become aware or have good reason to believe that a request for compensation is false or fraudulent in any way, We may refuse to compensate and terminate Extended Liability.
It is for You to decide whether You would like to take out insurance or engage Extended Liability.
You have the right to cancel Extended Liability at any time by giving Us written notice, You have provided Us with evidence of Your insurance cover before the effective date of cancellation. If You cancel, We will provide You with a pro-rata refund of any fees You have paid. Any claims for loss, damage or destruction of the Goods (or part thereof) shall not fall within Extended Liability unless such loss, damage or destruction is notified to Us in writing no more than 24 hours after You provide written notice of cancellation.