PLEASE CHECK, BEFORE YOU DECIDE WHETHER TO TAKE OUR INSURANCE OPTION, WHETHER YOU HAVE INSURANCE FOR YOUR PROPERTY WHICH WOULD COVER YOU FOR DAMAGE OR LOSS TO YOUR PROPERTY FOR THE PERIOD OF YOUR MOVE.
If in the quote and acceptance form, you accept the Our Insurance Option and you pay to us the requested fee, we will add the property we have accepted under Our Insurance Option to our insurance policy.
Note: You will not be an insured on our insurance policy and therefore will not have any rights against the insurer or right to make a claim on the policy. If your property is lost or damaged, if you tell us, we will make a claim on our insurance policy and if we receive any payment from our insurers, we will pass the money to you. We will charge an administration fee for each damage or loss we make on our insurance policy.
You must tell us of any loss or damage to property, in writing, at the time of discovery of the loss or damage or at the time of removal of goods from the unit, whichever is the soonest. We will then notify our insurers. If we cannot promptly notify our insurers this may affect what the insurers pays.
If the insurer does not pay the amount of the damage or loss, we may be liable to you for that damage or loss under our terms and conditions with you.
If you take out Our Insurance Option, the property we have accepted under Our Insurance Option is added from the time the property is professionally packed and/or uplifted from your residence or business location for the commencement of the transit and continues, including storage, if any, until the property is professionally delivered to the final destination. If your property is professionally unpacked the property is added for the period of the professional unpacking provided this takes place within 7 days of delivery.
In the event of loss and/or damage that may give rise to a claim under Our Insurance Option, immediate notice must be given in to the Company. Unless a time extension has been requested by you, and agreed by the Company in writing, it is a general condition that full details of any losses and/or damages for removals and storage must be notified within 7 days after delivery or, in the case of non-delivery, within 7 days from when your property would normally be delivered. These time limits apply whether or not your property has been unpacked. Full details of any losses and/or damages must be notified 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.
The terms of our insurance policy are summarised below.
You may inspect the insurance policy at our office on request.
Table of contents
- Sum insured limit
- Cover
- Under-declaration
- Basis of claims settlement
- Documents
- Pairs & sets clause
- Owner packed property
- Exclusions under our insurance
SUM INSURED LIMIT
The amount declared by us to insurers.
Note: In any event we cannot add goods to our policy in excess of the following:
- Household Removals & Storage: GBP 50,000 any one customer
- Office/Commercial Removals: GBP100,000 any one vehicle load
COVER
The insurance is limited to claims for all risks of physical loss or damage in transit or store anywhere in the United Kingdom, Northern Ireland, The Channel Islands, The Isle of Man, member States of the European Union, Scandinavia & Switzerland occurring whilst our insurance is effective.
UNDER-DECLARATION
The sum declared must at all times represent the full replacement value of the property. If the full replacement value is not declared, then in the event of a claim any claim is limited to the proportion of the loss as the declared value bears to the total replacement value of the property.
BASIS OF CLAIMS SETTLEMENT
The settlement of any claim is by replacement, repair and/or compensation, taking into consideration at insurers’ option the age, quality, degree of use and consequent market value. The policy is not “new for old”.
DOCUMENTS
Where any claim includes loss of or damage to documents the basis of settlement will 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.
PAIRS & SETS CLAUSE
Where any items are part of a pair or of a set then our Insurers only pay for the actual items which are lost or damaged. No payment will be made by our Insurers for any items which are part of a pair or of a set and which are not lost or damaged.
OWNER PACKED PROPERTY
Loss or damage arising from the following is excluded from our insurance:
- Breakage, scratching, denting, chipping, staining and tearing unless directly caused by fire or collision or overturning of the transporting conveyance.
- Missing items of cartons or packages unless an itemised valued list of contents of each carton or package is supplied by you to us prior to commencement of transit.
EXCLUSIONS UNDER OUR INSURANCE
Our insurers include further limits on our insurance. Our insurance policy will not respond to claims relating to the following items or events and as such no claims will be payable by our insurers for the same.
- Loss or damage resulting from any work undertaken against the professional advice of the removal crew
- Jewellery, Watches, Precious Stones, Money, Coins, Bullion, Deeds, Bonds, Securities and Stamps of all kinds except whilst in store in a locked safe or strong room.
- Furs, perfumery, tobacco, cigars, cigarettes, wines, mobile phones and spirits. However, cover will be provided for these items where they are part of a household or office removal or storage contract subject to a limit of EUR 10,000 any one customer, any one job.
- Livestock, Plants, Explosives, Flammables
- Any other property which you are not permitted to submit for removal and/or storage under the terms of the trading conditions of the Company.
- Loss or damage caused by wear, tear, gradual deterioration (including the deterioration of contents of deep freeze units), inherent vice or latent defect, Mould and Mildew.
- Loss or damage caused by moth, insect or vermin unless from an external cause.
- Loss or damage caused by leakage of liquid from a receptacle or container unless packed by the Company.
- Mechanical or electrical damage or derangement of any mechanical or electrical items unless reasonably attributable to physical damage to such items from an external cause, or following fire, flood, collision or overturning of road vehicles or other conveyances.
- Loss of data records other than cost of blank data carrying materials.
- 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. This exclusion does not apply to overseas removals whilst your property is waterborne.
- Loss or damage in respect of property in storage caused by or resulting from Acts of Terrorism or any person(s) acting from a political motive, but this exclusion shall not apply to storage in the ordinary course of transit as set out in the Termination of Transit Clause (Terrorism) of our policy.
- Ensuing or indirect losses resulting from or as a consequence of claims made for loss or damage to property
- Depreciation following repair or restoration of a damaged item
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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.
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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.
- Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
Our insurance also includes further terms and exclusions, including risks relating to cyber risks and communicable diseases.