Overview of our insurance cover

This option applies only if you have indicated “yes” to the insurance option described in the rental agreement and have paid the relevant fee. Please read the rental agreement and the insurance terms carefully.

It is a condition of the rental agreement that your belongings are insured for their full and actual total value, and that the cover is maintained for the entire period during which we store them.

Please note that, whether or not you ask us to include you in our insurance scheme, our liability for actual physical loss of or damage to your belongings is limited by the terms of the rental agreement, which forms part of our contract with you.

PROVIDED THAT YOU ASK US TO ARRANGE INSURANCE, we can arrange insurance on your behalf, placed 100% Amica for AXA Versicherung AG and Others, which will cover physical loss of or damage to your belongings under our insurance scheme, as summarised below. You may inspect the policy at our office upon request.

TOTAL SUM INSURED
The full and actual maximum total value of the goods at any time, as stated to us in the rental agreement or elsewhere in writing. Under no circumstances may the sum insured exceed DKK 750,000 for any customer unless we have confirmed this in writing. The total sum insured may be increased by payment of an additional fee, subject to acceptance by our insurers.

RISKS INSURED AGAINST
Actual physical loss of or damage to your belongings caused by fire, lightning, explosion, earthquake, storm, flood, burst or leaking pipes, ingress of water or other liquid, aircraft or parts falling from it, moths, insects or vermin due to an external cause, theft involving coercion and forcible and violent entry to or exit from a building or unit, civil commotion, strikes, riots, malicious damage, and impact during transit of goods by vehicle or train.

UNDERINSURANCE
It is a condition of the insurance scheme that the sum insured at all times equals the full total value of the stored belongings. If you do not state the full replacement value of your belongings in the rental agreement, then in the event of a claim we will only be entitled, on your behalf, to recover from our insurers the proportion of the loss that the stated value bears to the total replacement value of your belongings.

BASIS FOR SETTLEMENT OF CLAIMS
Settlement of a claim will be by replacement, repair, or compensation, as the insurer chooses. In the case of a total loss or destruction of an item insured under this insurance, the basis of settlement will be the cost of replacing the item as new, provided that the item is substantially the same, but no better than the original when it was new.

Linen and clothing
Where a claim includes loss of or damage to one or more items of bedding and clothing, the insurers will make allowance for age, quality, degree of use, and the resulting market value of any such items that have been lost or damaged.

Documents
Where a claim includes loss of or damage to documents, the basis of settlement will relate to the reasonable costs of reprinting and/or the reasonable costs of reissuing and/or reconstruction, including any necessary new investigation or research to obtain important information.

PAIRS AND SETS CLAUSE
Where any items form part of a pair or set, the insurers will pay only for the actual items that have been lost or damaged. The insurers will not pay for items forming part of a pair or set that have not been lost or damaged.

POLICY EXCESS
No excess applies.

NOTICE OF CLAIM
We must be notified of all claims at the time the loss of or damage to your belongings is discovered, or at the time your belongings were removed from the unit, whichever occurs first.

EXCLUSIONS

The following are not covered:

1. Money, coins, bullion, deeds, bonds, securities, and the like.

2. Animals, plants, explosives, and fuels.

3. Jewellery, watches, gemstones, stamps of any kind, exceeding a total of DKK 75,000.

4. Furs, art, perfume, mobile phones, tobacco, cigars, cigarettes, beer, wine, spirits, and the like, exceeding a total of DKK 150,000.

5. Electronic items exceeding a total of DKK 75,000. Electronic items are defined as all items in the form of consumer and commercial electrical appliances and instruments, including, but not limited to, radios, televisions, computers, computer software, hard drives, chips, microchips, circuit boards and their components, modems, monitors, cameras, fax machines, photocopiers, video recorders, hi-fi systems, stereos, CD players, digital recorders/players, and the like. (Heavy electrical items such as switchgear, turbines, generators, and the like are not considered electronics).

6. Depreciation in value resulting from the repair or restoration of a damaged item.

7. Loss of data recordings, except for blank data-carrying media.

8. Any goods you are not permitted to store under the terms of the rental agreement.

9. Any consequence of war, invasion, hostilities by foreign enemies (whether war is declared or not), civil war, rebellion, revolution, insurrection, or military power, or seizure, confiscation, nationalisation, acquisition, destruction of, or damage to property carried out by or under the order of a national or local authority.

10. Consequential loss or indirect loss arising from or as a consequence of claims made for loss or damage caused by a risk insured against.

11. Loss or damage due to:
a. Ionising radiation or contamination due to radioactivity from nuclear fuel or from the combustion of nuclear fuel.
b. Radioactive, toxic, explosive, or other hazardous or contaminating properties of any nuclear installation, reactor, or nuclear component thereof.
c. Any weapon of war employing atomic or nuclear fission and/or fusion or other similar reaction or radioactive force or radioactive matter.
d. Radioactive, toxic, explosive, or other hazardous or contaminating properties of radioactive matter. The exclusion in this sub-paragraph does not include radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, transported, stored, or used for commercial, agricultural, medical, scientific, or similar peaceful purposes.

12. Loss of or damage to any chemical, biological, biochemical, or electromagnetic weapons. The use or operation as a means of inflicting harm of any computer system, computer software program, computer virus or process, or any other electronic system.

13. Loss of or damage to your belongings directly caused by pressure waves from aircraft and other airborne devices travelling at the speed of sound or faster than the speed of sound.

14. If, at the time of the loss, there is other insurance in force, this insurance will apply only to the extent that the losses cannot be recovered under the other insurance.

15. Loss of or damage to your belongings caused by or arising from an act of terrorism or one or more persons acting from a political motive.