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SUMMARY OF INSURANCE COVER

It is a condition of the Licence Agreement that your property is insured for its full true total value and that cover is maintained throughout the total period of storage with the Facility Owner. Please note that irrespective of whether or not you instruct the Facility Owner to arrange insurance for your property their liability for actual physical loss of or damage to your property whilst in store is limited by the terms of their Licence Agreement which form part of their contract with you.

SUBJECT TO YOU GIVING THE FACILITY OWNER INSTRUCTIONS TO INSURE, they can arrange on your behalf insurance Underwritten by Amica for AXA Versicherung AG and Others to cover physical loss or damage to your property whilst stored with the Facility Owner within their “Open Cover” insurance arrangements as summarised below. You may inspect the policy at their office on request. Please note, the cover provided by Us is optional.

TOTAL SUM INSURED

The full true total maximum value of the property at all times as declared to the Facility Owner on the Licence Agreement or elsewhere in writing. The sum insured shall in no circumstances exceed GBP 25,000 for any one customer unless confirmed in writing by the Facility Owner. The total sum insured can be increased on payment of an additional charge, subject to the prior agreement of the Facility Owner and Insurers.

COVER

Actual physical loss of or damage to your property caused by fire, lightning, explosion, earthquake, storm, flood, bursting &/or leaking pipes, ingress of water or other liquid substance, aircraft or articles dropped therefrom, moth, insect or vermin from an external cause, theft accompanied by forcible and violent entry to or exit from the building or Unit, riot, strike, civil commotion, malicious damage, impact by vehicles or railway rolling stock. This Insurance is effective from the time your insured property is placed in to storage and ceases upon removal from storage – no cover applies during loading and unloading or during transit

UNDER-INSURANCE

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 you will only be entitled to recover from Insurers the proportion of the loss as the declared value bears to the total replacement value of your property.

BASIS OF CLAIMS SETTLEMENT

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.

Household linen and clothing

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).

Documents

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.

CONSUMER RIGHT TO CANCEL

Insurers have to give you certain information before you make your decision. If you have not been given this information when you buy your insurance (and you have not told the Company you do not want it) Insurers will allow you a “cooling off” period of at least 14 days from the time you receive the information. If you do not want to continue with the insurance, you may cancel your cover within this period and receive all your money back (as long as you have not made any claims).

You have the right to cancel this insurance without penalty at any time PRIOR TO THE COMMENCEMENT OF THE INSURANCE. Once the insurance has commenced, your right to cancel ceases and you will be charged the full premium for the insurance.

POLICY EXCESS

Insurers will not pay the first GBP 100 of your claim

PAIRS & SETS LIMITATION CLAUSE

Where any items of your property 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.

YOUR DUTY TO PROVIDE INFORMATION

It is your duty to take reasonable care to answer all questions honestly and to the best of your knowledge and commercial customers must make adequate enquiries within your business to identify and verify that information relevant to the insurance of your property is disclosed. If you do not, your insurance policy may be cancelled or treated as if it never existed or your claim may be rejected or not paid in full. It is important that all statements you make on all documents are full and accurate. Failure to accurately provide requested information could invalidate your insurance cover and mean that part or all of a claim may not be paid.

CLAIMS NOTIFICATION

Full details of any losses and/or damages must be notified to the Facility Owner at the time of the discovery of the loss of or damage to your property or at the time of removal of your property from the store whichever is sooner.

CUSTOMER SERVICE AND COMPLAINTS

Insurers are dedicated to providing a high quality service and want to ensure that this is maintained this at all times. If you feel you have not been offered a first class service please contact International Claims Agency Ltd (ICA) who will do their best to resolve the problem.

ICA’s contact details are:

International Claims Agency Ltd,
Unit 10, Invicta Way,
Manston Park,
Ramsgate, Kent CT12 5FD United Kingdom
Telephone:     +44 (0)1843 823820
Fax:              +44 (0)1843 823956
E-mail:            claims@icaltd.co.uk

In the event that the Complaints Department is unable to resolve your complaint it may in certain circumstances be possible for you to refer it to the Financial Ombudsman Service at:

Exchange Tower
Harbour Exchange Square
London E14 9SR
Tel No: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk

Financial Services Compensation Scheme

Insurers are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we cannot meet our obligations to you under this contract. If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further Information about the Scheme is available from the Financial Services Compensation Scheme (10th Floor, Beaufort

House, 15 St Botolph Street, London EC3A 7QU) and on their website: www.fscs.org.uk

EXCLUSIONS

No cover is provided for the following

1. Money, Coins, Bullion, Deeds, Bonds, Securities and the like.

2. Livestock, Plants, Explosives and Flammables

3. Jewellery, Watches, Precious Stones, Stamps of all kinds exceeding GBP 500 combined total.

4. Furs, fine arts, perfumery, mobile phones, tobacco, cigars, cigarettes, beers, wines, spirits & the like exceeding GBP 10,000 combined total.

5. Electronic items exceeding GBP 10,000 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, VCRs, hi-fi, stereos, CD players and the like. (Heavy electrical items such as switchgear, turbines and generators and the like shall be deemed not to be electronics)

6. Depreciation following repair or restoration of a damaged item

7. Any property which you are not permitted to store under the terms of the Licence Agreement

8. Loss of data records other than cost of blank data carrying materials.

9. Any consequence of War, Invasion, Act 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.

10. Ensuing or indirect losses resulting from or as a consequence of claims made for loss or damage to your property.

11. Loss or damage or liability or expense directly or indirectly caused by or contributed to, by, or arising from:-

Ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.
The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or nuclear assembly or nuclear component thereof.
Any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes.

12. Loss or damage or expense directly, or indirectly, caused by or contributed to, by or arising from:-

Any chemical, biological, bio-chemical or electromagnetic weapon.
The use or operation, as a means for inflicting harm, of any computer, computer system, computer software program, computer virus or process or other electronic system.

13. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

14. Loss of or damage to your property caused by or resulting from any act(s) of terrorism or any person(s) acting from a political motive

Terms and conditions of Lock Stock licence agreement

Lock Stock licence agreement terms and conditions will be presented at the time of signing your contract. Once you have signed a contract you will be given a copy of the terms and conditions.

If you have any questions please contact the office.

Payment details

We will securely process your payment card details to take the initial payment which is required when you book the unit. By providing these details you agree to us using these card details to take automatic payments from this card for future invoices. You will be sent an invoice 7 days before the start of the charge period and the payment will be automatically taken from this card on the charge date. At the beginning of the hire you will only be given access to a unit if your payment was successful. If there is an issue with a payment being taken online and it is outside of office hours we may not be able to provide you with access to a unit until the office is open. We will email you an invoice and receipt every month for your records. If you have any payment questions, please don’t hesitate to contact us on 01745 817178.

Get a quote by e-mail terms and conditions

If you agree that Lock Stock can contact you by e-mail you will initially be sent a quote. You may then be sent reminders, newsletters or other promotional e-mails by Lock Stock. If you would like for these e-mails to stop there is an ‘unsubscribe’ link on every e-mail. If you follow the link you will be removed from our mailing list.

Your information will not be sold or passed forward to any third party.

Price Match Guarantee terms and conditions

If you are booking on line and would like us to consider a price match you will only get the benefit of any price reduction once you speak to us over the phone during office hours. You will need to speak to us and supply us with this information within 7 days of your booking. We will need to verify this information in accordance with the terms of this offer. Once verified we will be able to apply the discounted rate on the account and issue any refund due for any overpayment.

We’ll match an alternative quote based on like-for-like service.
A like-for-like service means the same storage unit size, length of stay, location and any other storage facilities.
Our price promise is subject to our storage unit availability.
The alternative storage quote must be no more than 30 days old.
Competitor must be within a 4 mile radius of the store location.
Offer applies to new Customers Only.
The price match will apply for 6 months.
Only applies to storage charges.
Offer only applies to units identified on the website as applicable on the day of booking.
The offer may be withdrawn at any time.
Only one offer can be applied to an account at any time and can’t be used in conjunction with any other offer.
Lock Stock must be able to verify the competitors price or offer.

Discounts

Lock Stock reserve the right to remove any discount at any time
Only one discount can be applied on the account for one item at any time
To qualify for Blue Light and Student light discounts you must provide valid ID. This will need to be verified by us in order for the discount to be applied to your account. If we are unable to verify this information we will remove any discounts that have been selected by you
Blue Light and student discounts apply to storage hire charges only
Our discounts cannot be exchanged for cash and have no cash value

6 month discount – pay for 6 months and get 2 weeks free

Offer means customer enters into a 6 month contract and if the unit is vacated before the end of the 6 month period no refund will be given.
It is the last 2 weeks of the hire that benefits from the discount.
Full payment must be made upfront to benefit from the discount.
Discount only applies to storage hire charges.
Not to be used in conjunction with any other offer.
All other storage terms and conditions apply.
The special offer cannot be exchanged for cash and has no cash value.
Discounts are offered subject to availability and can be withdrawn by Lock Stock at any time.
Storage discount applies to new and existing contracts.

12 month discount – pay for 11 months and get the twelfth month for free

Offer means customer enters into a 12 month contract and if the unit is vacated before the end of the 12 month period no refund will be given.
It is the twelfth month that will be free.
Full payment must be made upfront to benefit from the discount.
Discount only applies to storage hire charges.
Not to be used in conjunction with any other offer.
All other storage terms and conditions apply.
The special offer cannot be exchanged for cash and has no cash value.
Discounts are offered subject to availability and can be withdrawn by Lock Stock at any time.
Storage discount applies to new and existing contracts.

Ardal Northern League 25% discount terms and conditions

Discount for Ardal Northern League players and officials only.
Discount applies to the first 3 months months of storage hire only and applies to all sizes.
On presentation of valid Ardal Northern League players and officials ID in the name of the hirer or purchaser and this must be presented at the time of sale or signing of the agreement.
Not to be used in conjunction with any other offer.
Discount valid until 31st July 2025.
All other storage terms and conditions apply.
The special offer cannot be exchanged for cash and has no cash value.
Discounts are offered subject to availability.
Storage discount applies to new contracts only.