Key facts about our Insurance Services
Customer information
About us
Insure-Your-Move Ltd is an appointed representative of Sennocke International Insurance Services Ltd, an independent insurance intermediary, who are regulated by the Financial Services Authority. You can check our status on the Financial Services Authority's register by visisting www.fsa.gov/uk/register or by contacting them on 0845 606 1234.
Insure-Your-Move Ltd is registered in England and Wales (No. 6687352).
Royal & Sun Alliance Insurance plc is regulated by the Financial Services Authority. You can check their status on the Financial Services Authority's register or by contacting them on 0845 606 1234.
Cancellation Rights
You may have a statutory right to cancel this policy within a short period. Please refer to your policy summary or your policy document for further details. Should you exercise your right to cancel we will refund your premium less a charge for the cover provided from the beginning of the contract until such time the policy is cancelled and less the administration fee.
Applicable Law
Unless the parties have agreed otherwise in writing any dispute concerning the interpretation of the Policy shall be governed and construed in accordance with English law and shall be resolved within the exclusive jurisdiction of the Courts of England and Wales.
Administration Fee
There is an administrative fee of GBP 50 for the arrangement of this Policy and this is detailed in our Terms of Business and Statement of Price.
Your duty of disclosure
Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurers decision to accept the policy and what terms are applied must be diclosed. Failure to disclose material information may invalidate your insurance and could mean that part or all of a claim may not be paid.
Complaints
It is our intention to provide a high level of service at all times. However, if you have reason to make a complaint about our service you should contact the managing director at the above address or ring us on 0800 622 6320.
If you remain dissatisfied you may be entitled to refer the matter to the Financial Ombudsmen Service, Their contact details are: Financial Ombudsmen Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800, Email enquiries@financial-ombudsman.org.uk , Web www.financial-ombudsman.org.uk if you do decide to refer any matter to the Financail Ombudsman Service your leagl rights will not be affected
Compensation Arrangements
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends upon the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first GBP2,000 and 90% of the remainder of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visting www.fscs.org.uk
Privacy Policy
In administrating your insurance, Insurers and their agents will follow the rules of the Data Protection Act when dealing with your personal information. Your details will be protected against unauthorised access. You have a right to see personal information insurers and their agents may hold about you. We recommend that you keep copies of the information you give to us. Your personal information may be shared with others, but only for the purposes of effecting insurance cover on your behalf, and dealing with a claim, and for fraud purposes. This includes, but is not limited to passing information to insurance companies, loss adjusters, repairers and recovery agents.
How to Claim
Please refer to your policy summary or your policy document if you need to notify a claim. You should contact Insure Your Move Ltd as soon as possible using the contact details provided. If in doubt about whom to contact you should call us on 0800 6226320.
Herewith some important explanatory facts about your Insurance Policy. This summary does not detail the full terms and conditions of the contract or the exclusions which are fully contained in the Policy Terms and Conditions document.
Cover - ‘All Risks' of physical loss, destruction or damage to your goods whilst in transit or in storage.
Valuation - The goods must be valued at the new replacement cost (at destination if moving abroad). You should declare a new replacement value but specifying any item or items valued in excess of GBP 750. In respect of Fine Arts and Antiques contained within your move then these should be valued at their current market value.
Duration of Cover - Cover attaches from the time the goods are being professionally packed and /or picked up for the commencement of the transit and continues during the ordinary course of the transit, including any customary transhipment, until the insured property is professionally delivered to the final destination.
Goods - This means professionally packed household goods and personal effects.
Claims - It is a condition precedent to Insurers liability under this insurance that in the event of loss or damage which may give rise to a claim under this insurance, immediate notice must be given to Insurer's representatives and supporting information in respect of any loss or damage must be provided within 30 days after initial notification.
Excess - There is no excess if you use the removal services of a member of the British Assoclation of Removers of the National Guild of Removers othewise a GBP 2,000 excess is applicable to each and every claim.
Packing and Transit Cost - Where insurers settle a claim for total loss of the entire consignment of goods Insurers will in addition pay the incurred packing and transportation costs up to a maximum of GBP 5,000 for an in-full premium of only GBP 25.00 inclusive of Insurance Premium Tax, if the Insured has selected this cover.
Electrical & Mechanical Derangement - Cover is provided to include losses or damage arising from electrical and mechanical derangement on items not more than 6 years old even if there is no external damage to the item or its packaging.
Pairs and Sets - In the event of loss or damage to any item or items forming part of pair or set the claim will be limited to the reasonable and fair reduction in the value of the pair or set by reason of the loss or damage to the affected items having regard to the importance of the affected items within the pair or set.
Mould and Mildew - The Insured is covered for not more than 25% of the total sum insured for losses arising from mould or mildew during the course of the transit and during the free 60 day storage period.
Exclusions - Cover does not include losses or damage arising from:-
gradual deterioration, wear and tear, inherent vice, loss of data, money or securities for money, negotiable instruments and any financial loss other than loss, destruction or damage to the goods, depreciation arising from the inadequate or substandard repairs or restoration of a damaged item, jewellery or stamp collections.
Motor Cars - Cover can be arranged upon request. Please complete the form on our Contact Us page for further details stating make, model and age of car along with the destination country
