StoreProtect Addendum
Please take the time to read the detailed terms in this Addendum which will apply if You have selected "Goods Protection" as part of your booking process. In particular, We draw Your attention to ‘Exclusions – what StoreProtect does not provide for’ as this includes terms where We limit or exclude Our liability to You in certain circumstances.
Note: “StoreProtect” means an agreement to accept an enhanced liability for identifiable losses and direct physical destruction of or damage to goods stored by You in the Unit, caused by wilful acts, omissions and default, including theft by forcible entry or damage while the goods are in the Unit ("Loss or Damage to Your Property"). StoreProtect is not a contract of insurance. We are not an insurance company, nor are We acting as Your agent. We are under no obligation to arrange an insurance policy in Your name. We assume the risk of liability ourselves, but We may at Our option arrange insurance ourselves which provides cover for Our liability to You in certain circumstances.
StoreProtect may not be available in certain circumstances, and We reserve the right to decline at Our sole discretion where You have indicated that You wish to opt for StoreProtect
Detailed Terms
StoreProtect - What do I receive?
In return for payment of the StoreProtect Charges, We agree to accept an enhanced liability for Loss or Damage to Your Property and Clause 9 b of Our Terms and Conditions above will not apply.
✔ Instead, subject to Clause 9 a of Our Terms and Conditions, We accept liability for Loss or Damage to Your Property following a breach of obligations under our Contract with You up to a maximum of (i) the Maximum Replacement Value; or (ii) the actual value of Your property either affected by Loss or Damage to Your Property (whichever is less), taking into account any Proportional Reduction (defined below in this Addendum), and subject to certain exclusions (see ‘Exclusions – what StoreProtect does not provide for below’).
✔ “Maximum Replacement Value” means the maximum sum total of the Replacement Value for all Property at any time throughout the period of storage capped at the amount of Goods Protection You have selected and paid for (which is for example, £2,500 for the extra light cover goods protection option).
✔ “Replacement Value” means the current cost of replacing Your property as new, except for:
household linen and clothing, motorcars, motorbikes, boats, caravans, motorhomes and any other motorised vehicle, where the Replacement Value allows for the age, quality, degree of use, existing damage and consequent market value;
any goods which cannot be purchased new (such as antiques or works of art, for example), where the Replacement Value shall be the current market value; and
documents, where the Replacement Value shall be calculated as the physical cost of replacing the documents and/or cost of reprinting, re-issue and/or reconstitution, but excluding the value of the information contained in the documents.
✔ Our liability will commence from the time Your property is placed by You into the Unit(s) and ceases immediately upon removal of Your property from Your the Unit(s).
✔ Our liability to You under StoreProtect for Loss or Damage to Your Property is to be assessed as a sum equivalent to the cost of (a) repair or cleaning or (b) the Replacement Value, whichever is the smaller sum, at Our option. We accept no liability for depreciation following repair
✔ If You opt for StoreProtect, You are no longer obligated to arrange insurance for Your property but You remain free to choose to do so.
✔If you submit a claim, additional claims processing administration charges apply. We will deduct a £50 charge from any settlement awarded to You to cover Our administration costs (“Claims Admin Fee”).
Our Duty of Care under StoreProtect
Our liability in relation to the goods stored by You in the Unit under StoreProtect shall be that of a reasonably careful person under like circumstances. We shall not be liable for any Loss or Damage to Your Property, however caused, while those goods remain in the Unit unless such Loss or Damage to Your Property resulted from Our failure to exercise such care in relation to those goods as a reasonably careful person would exercis
Your Responsibility
To opt for StoreProtect, it is Your responsibility to:
provide a Maximum Replacement Value to Us taking care to ensure that the same is accurate (please note that you will be required to select a level of Goods Protection cover that is at least equivalent to the Maximum Replacement Value);
click that you accept the appropriate box during the booking process to confirm Your wish to opt for StoreProtect (which may be referred to during the booking process as Goods Protection);
pay Us the StoreProtect Charges; and
ensure that the Maximum Replacement Value remains accurate at all times for the duration of this Agreement (You need to tell us immediately if any changes need to be made as You will need to increase the level of Goods Protection cover you are paying for if the Maximum Replacement Value exceeds the level of cover you selected previously).
Our Maximum Liability
We will have no liability under any circumstances for Loss or Damage to Your Property over and above the Maximum Replacement Value, or the actual value of Your property either lost or damaged if this is less than the Maximum Replacement Value.
Proportional Reduction
If the Maximum Replacement Value You provide is less than the actual total Replacement Value of all of Your property stored in Your Unit at the time of Loss or Damage to Your Property, then Our liability will be reduced to reflect the proportion that Your Maximum Replacement Value bears to the actual total Replacement Value (“Proportional Reduction”).
(For example: if the total Replacement Value of Your Property is £10,000, but You have declared a Maximum Replacement Value of £5,000, Our liability will be reduced by 50%. So, if £3,000 worth of Your Property is lost or damaged, Our liability would be £1,500.)
General Exclusions and Limitations
We exclude and limit certain types of liability and loss, as set out in Clause 9 of Our Terms and Conditions above. Please read those exclusions and limitations carefully – they apply whether or not You opt for StoreProtect.
There may be circumstances where Prohibited Goods (Clause 3 p of Our Terms and Conditions above) are stored in the Unit(s). Where You store Prohibited Goods in breach of your Contract, You agree that You will bear the risk of any Loss or Damage to such Prohibited Goods.
We will not be liable for any Loss or Damage to Your Property unless You notify Us in accordance with Clause 3 g of Our Terms and Conditions.
Exclusions – what StoreProtect does not provide for
StoreProtect cannot be accepted for:
any motorcar, motorbike, boat, caravan, motorhome or any other motorised vehicle or trailer (“Vehicles”) stored outside of a Unit;
any food or perishable Goods; or
any delivery and collection Goods.
Our liability is restricted in accordance with Clause 9 of Our Terms and Conditions and this StoreProtect Addendum and You should decide whether You require insurance for Your Property regardless of whether or not You opt for StoreProtect.
Our liability for Loss or Damage to Your Property is restricted. Goods worth in excess of the amounts stated below should not be stored without Our express permission in writing:
Jewellery, watches, precious stones, precious metals, and stamps of all kinds exceeding £1,000 combined total;
Furs, fine art, perfumery, tobacco, cigars, cigarettes, beers, wines, spirits and the like exceeding £15,000 combined total; and
Electronic Items exceeding £25,000 combined total. “Electronic Items” is defined as all items of consumer and commercial electrical appliances and instruments, including but not limited to televisions, computers, laptops, computers, tablets, mobile phones, cameras, hi-fi’s, stereos and the like. Heavy electrical items such as switchgear, turbines, generators and the like shall not be deemed to be electronics.
Why We restrict Our liability
It is not always clear how Loss or Damage to Your Property was caused, so We must limit or exclude Our liability for Loss or Damage to Your Property in certain circumstances. We also cannot accept liability for Loss or Damage to Your Property which could not have been reasonably avoided. Please be reminded that StoreProtect is not a contract of insurance and You have the option to arrange Your own insurance separately.
Our Agreement
Our Terms and Conditions apply in full to Your Contract, save that, if You opt for StoreProtect: (a) We agree to accept an enhanced liability as described above (so, the limit in Clause 9b is replaced by the Maximum Replacement Value (taking into account any Proportional Reduction) and Our duty of care in respect of Your Property is as set out above); and (b) the requirement to insure Your Property in Our Terms and Conditions becomes an option instead of a requirement.
Failure to pay StoreProtect Charges
If You fail to pay the StoreProtect Charges in full on the due date for payment (Clause 6 of Our Terms and Conditions), You will not benefit from the enhanced liability that We offer under this StoreProtect Addendum. Our liability to You will, instead, be restricted to Loss or Damage to Property caused by negligence only and limited to £100 in accordance with the terms set out in Clause 9 b of Our Terms and Conditions and You will be required to insure Your property in accordance with Our Terms and Conditions.
At Our sole discretion, We may choose to reinstate StoreProtect on payment of any overdue and/or outstanding StoreProtect Charges, unless any Loss or Damage to Your Property has already occurred prior to payment of such charges.
Termination/ Cancellation
Your right to cancel StoreProtect
You have the right to cancel StoreProtect at any time by giving Us written notice prior to removal of Your property from the Unit. You can provide notice by emailing Us at hello@pocket.storage.
If You cancel StoreProtect prior to the Hire Start Date, We will refund to You all StoreProtect Charges paid by You.
If You cancel StoreProtect after the Hire Start Date, We will refund to You any StoreProtect Charges that You have paid in advance in respect of the period after cancellation (e.g. from the date that We receive Your notice to cancel).
Our right to cancel StoreProtect
Your right to benefit from StoreProtect will terminate automatically if You do not make all payments when due under Clause 6 b of Our Terms and Conditions.
We may cancel Your right to benefit from StoreProtect and terminate this Addendum at any time by giving You thirty (30) days’ notice in writing.
Where We cancel or terminate StoreProtect, We will refund to You all StoreProtect Charges paid by You in advance in respect of the period after cancellation (e.g. from the cancellation date We notify to You).
General
Our liability to You after the StoreProtect cancellation date will be the normal level as set out in Clause 9 b of Our Terms and Conditions and You will be required to obtain insurance in accordance with Our Terms and Conditions.
Where Your Property is Lost or Damaged
Notification Condition
If You discover Loss or Damage to Your Property, You must fully comply with the requirements set out under Clause 3g of Our Terms and Conditions.
Additional Claim Requirements
For Us to fully assess Your claim, the following additional information may be required:
Estimates for cleaning, repairs or replacement;
As many details as possible about the affected goods, including photographs of any areas of damage and also any damaged goods in their entirety;
Photographs showing all of Your property in the Unit, including those which are undamaged (i.e. the entire Unit before the removal of any goods).
For any damaged electrical items, You must also photograph any manufacturer labels showing the make/model of the item.
Where You believe that Your property has been stolen, You must take photographs of the door, walls or padlock to evidence forced access to Your Unit. You must also notify the police immediately and obtain a Crime Reference Number.
Where You believe that Your property has been damaged by an ingress of water, You must photograph the alleged source of the ingress.
Where Your property can be professionally repaired, You are required to provide estimates before the work is carried out.
For any goods lost/stolen or damaged beyond repair, You must provide proof of ownership (including receipts), where possible, details of any make/model and evidence to show the Replacement Value.
We may request for damaged goods to be cleaned, where possible, including dry cleaning or home laundry before any claim settlement will be considered. Reasonable cleaning costs may be considered as part of the claim settlement.