[saulrh]

    If you use the disc lock the storage facility sells, you'll likely
    pay an additional markup on it, but it's also guaranteed to be
    acceptable to their partner insurance company.

I'm surprised - I'd have expected the facility's locks to be guaranteed to be unacceptable so as to minimize the insurance company's payouts. Insurance agencies already do worse on a daily basis, this level of consumer-hostile bullshit would barely even register.

[icehawk]

If they are deemed unacceptable, I now get to make the argument of negligence on the part of the storage facility, as they are the ones who sold it to me and I can reasonably assume that since they suggested it, and the insurance policy, that it is fit for purpose. I might then be able to make the case of fraud.