This insurance indemnifies the Insured for physical loss, destruction or damage to the goods of the Insured occurring whilst the goods are in transit (including associated storage) subject to the terms, conditions and exclusions detailed within this document.                              

Definitions

The following expressions shall have the meanings set out below wherever they appear in these Terms and Conditions and or the Order Confirmation.

Insured - The person named in the Order Confirmation under the billing address details.

Transit - Any transit from or within the UK by air, sea or land including associated storage.

Goods - Professionally packed household goods and personal effects

Coverage

All Risks of Physical Loss, Destruction or Damage - Subject to the Institute Cargo Clauses (A), Institute War and Strikes Clauses, Institute Classification Clause, Insolvency Exclusion Amendment Clause, Termination of Transit Clause (Terrorism), Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons Exclusion, Institute Cyber Attack Exclusion Clause. For full details of these Clauses please see Institute Cargo Clauses.pdf

For the purpose of claims for general average contribution and salvage charges recoverable hereunder the subject matter insured shall be deemed to be insured for its full contributory value.

Exclusions

The Insured is not covered for:-

i)  Gradual deterioration, wear and tear, inherent vice, loss of data and any financial loss other than loss, destruction or damage to goods.

ii) Loss or damage caused by atmospheric or climatic conditions, vermin or moths. This exclusion does not apply for mould and or mildew however the Insured is not covered for (i) more than 25% of the total insured value for mould and or mildew or (ii) mould and or mildew occurring during storage (beyond the free 60 day period).

iii) Electrical, electronic, mechanical derangement and internal damage of electrical items more than 6 years old.

iv) Money or securities for money, negotiable instruments.

v) Jewellery. Stamp or coin collections.

Conditions  

i) Valuation - The goods must be valued at the new replacement cost at destination.

Any antiques and fine arts contained within the shipment should be valued at their current market value.

ii) Average - Failure to insure the goods for the correct value will result in your claim being limited to a proportion of the loss as the declared value bears to the correct value of the goods.

iii) 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.

iv) Contract (Rights of Third Parties) Act 1999 Exclusion Clause (Cargo) - The provisions of the Contracts (Right of Third Parties) Act 1999 do not apply to this insurance policy. This insurance does not confer any benefits on any third parties. No third party may enforce any terms of this insurance. This clause shall not affect the rights of the Insured.

v) Subrogation Clause - The Insurers shall be subrogated to the extent of their payment for losses insured hereunder to all the Insured's rights of recovery against any person or organisation excluding the Insured.

vi) Duration of Transit Clause - Other than in respect of the War Clauses coverage 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.

If the goods are professionally unpacked coverage is extended to cover the period of professional unpacking provided this takes place within 14 days of delivery. 

vii) Storage - Storage coverage is provided free of charge up to 60 days at origin and 60 days at destination if in an enclosed warehouse where such storage has been arranged by the remover as shown on the Order of Confirmation.

In consideration of an additional premium cover can be extended beyond the 60 days provided such request and premium are received prior to the expiration of the free storage period.

viii) Other Insurance  - This insurance does not cover to the extent of any other insurance, whether prior or subsequent hereto in date and by whomsoever effected, directly or indirectly covering the same property covered and the Insurers shall be liable for loss or damage only for the excess value beyond the amount due from such other insurance.

ix) Claims Notification -  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 in writing to Insurers representatives and

in the event of loss or damage which may give rise to a claim under this insurance supporting information in respect of any loss or damages must be provided within 30 days after initial notification.

x) Excess - If your remover is a member of the British Association of Removers or The National Guild of Removers there is NO excess to pay in the event of a claim but you will pay an excess of GBP 2,000 of any claim if your remover is NOT a member of the British Association of Removers or The National Guild of Removers.

xi) Items valued in excess of GBP 750 - GBP 750 is the maximum amount that Insurers will pay for items lost or damaged which have not been declared on the Quote Details section of the Insure-Your-Move website.

xii) Basis of Settlement  - Insurers shall be entitled at their option to repair or replace any article lost or damaged (whether wholly or in part) or to pay cash compensation not exceeding the insured value thereof.  Insurers may require proof of ownership and/or value of any items claimed missing.

xiii) Depreciation  - This insurance does not cover depreciation arising from inadequate or substandard repairs or restoration of a damaged item.

xiv) Pairs and Sets - In the event of loss or damage to any item or items forming part of a pair or set the claim shall 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. All the articles constituting the pair or set shall, at Insurers option become their property in the event insurers pay for the total loss of the entire pair or set.

xv) Packing and Transit Costs - If the Insured has selected this cover:-

Where insurers settle a claim for a total loss of the entire consignment of goods insurers will in addition pay the packing and transportation costs of the insured transit up to a maximum of GBP 5,000

Where insurers settle a claim for total loss of any item or items insurers will in addition pay the packing and transportation cost of replacement items up to a maximum of GBP 5,000

xvi) Cancellation  - Insurers may cancel cover at any time by giving notice to that effect in writing by pre-paid letter to the billing address. The notice periods are i) 48 hours for risk covered by the Institute Strikes Clauses in respect of shipments to or from the USA and/or storage in the USA, ii) 7 days for risk covered by the Institute War and Strikes Clauses, iii) 30 days in other circumstances.

xvii) Motor Cars - Please note the insurance DOES NOT COVER Loss or Damage caused to a car in the following circumstances:

(i) Whilst being driven under its own power EXCEPT while on premises of the port or whilst being driven by an authorised driver who is an employee of the remover or their agent in direct furtherance of the transit.

(ii) Caused by scratching denting or marring unless the remover and the owner both agree and sign a 'Certificate of Condition' or similar document stating the condition of the car prior to shipment, noting all defects.

(iii) Non-factory installed accessories are NOT INSURED unless specifically declared and valued for insurance.

(iv) Goods packed inside the car are NOT INSURED unless packed by the remover and/or their agent.