Goods are not automatically insured when in storage.
Charters Towers Self Storage provides an easy solution for our customers. Insurance is structured in a pay-as-you-go system, so you only purchase the insurance you need and payments are set to coincide with your monthly storage payments.
Although incidents at our self storage facility are extremely rare, insurance of your goods in storage is highly recommended. Customer’s goods are not automatically insured when being stored. It is the customer’s responsibility to be insured. Hence the reason we have provided an easy solution for all customers.
First Month Complimentary Insurance
When you choose to store with Charters Towers Self Storage, you receive “Complimentary Insurance Cover” with your first month of storage.
At the time of packing up your goods and moving into your storage unit there will always be a lot going on. Complimentary insurance for the first month means one less thing to worry about! There is no obligation to continue after the first month, however customers are reminded to check that what they are storing is eligible under the Terms & Conditions of the insurance policy. You will need to assess the level of cover you require with the level of cover capped at $50,000, with a $100 excess payable by the customer for each and any claim.
Insurance Policy Cover
What Events are Covered
As a service to you we can arrange insurance against the following perils: Fire, lightening, explosion, earthquake, wind, storm and tempest, water damage and leakage, impact by vehicles or aircraft, malicious damage, riots and civil commotions, theft (subject to visual of forced entry).
Indemnity Value Cover
Your goods will be insured for Indemnity Value. This means the value is the replacement cost less an assessed allowance for condition, age, wear and tear.
Avoid Under Insuring
Please ensure that you declare the total market value of your goods to avoid under insuring.
The standard policy enables cover up to $50,000 loss. If you need additional cover, this can be arranged by request.
Policy Cover Exclusions
To understand the events excluded under the policy please read the Product Disclosure Statement.
Premium and Excess
The premium depends on the level of cover you choose. Our rates are set at $6.00 per month for the minimum $5,000 worth of cover.
An excess is the amount you must pay each time you make a claim. The policy is subject to a minimum excess of $100.
QBE Insurance (Australia) Limited (ABN 78 003 191 035)
How-to Take-Out Insurance
All new customers who choose to store with Charters Towers Self Storage receive Complimentary Insurance with their first month of storage. Our Team will contact customers via email or text to ask if they would like to continue with insurance before the end of the first month.
Customers can choose to opt in or out of storage insurance at any time by contacting us.
In Case of a Claim
Claims must be made at the time of discovery of loss or damage. Our Team will put you directly in contact with the insurance company, who will assist you with the claims process.
Product Disclosure Statement
For a comprehensive explanation of the insurance please read the Product Disclosure Statement.
AON Financial Services Guide
Explains the products and services, remuneration and other important information.
Important Distributor Notice
Charters Towers Self Storage act as a distributor of Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL 241141 (Aon) in issuing or arranging Customer Storage Insurance underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035. We receive the full amount paid by you for access to the storage insurance benefits that we have arranged under our policy of insurance with QBE.
Target Market Determination
Provides information on how the target market is determined by QBE.
Aon Privacy Statement
The statement aims to help you understand Aon personal data collection, usage and disclosure practices.
We can store just about anything
Household, office, archive files, retail, trades, cars, boats, bikes and more.