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Important 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 Conduct Authority. You can check this on the Financial Conduct Authority's register by visiting the FCA's website www.fca.gov.uk/register or by contacting the FCA on 0800 111 6768.

Insure-Your-Move Ltd is registered in England and Wales (No. 6687352).

Royal & Sun Alliance Insurance plc is regulated by the Financial Conduct Authority and the Prudential Regulation Authority. You can check this out on the Financial Services Register or by contacting the FCA on 0800 111 6768.

Cancellation Rights

We 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 risks 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 all other circumstances.

If you decide not to proceed with this insurance, you will have 14 days to cancel it starting on the date the order confirmation was received provided always that this is prior to commencement of Transit. To cancel, please contact Insure Your Move Ltd. On receipt of notice, we will rebate the full insurance premium except where Transit has commenced and/or a valid claim has already been made or is intended to be made and/or an incident likely to give rise to a claim under this insurance has occurred.

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 £ 30.00 for the arrangement of this Policy and this is detailed in our Terms of Business and Statement of Price. This is non-refundable in the event of cancellation of your Policy.

Your Duty of Disclosure

Information requested is that we consider important to accepting insurance. Failure to respond accurately or to omit a reply to a question that we have asked may invalidate your insurance.

Compensation Arrangements

We are covered by the Financial Services Compensation Scheme (FSCS). This provides compensation in case any member goes out of business or into liquidation and is unable to meet any valid claims against its policies. You may be entitled to compensation if we cannot meet our obligations, depending upon the circumstances of the claim. 

Further information about the compensation scheme can be obtained from the FSCS.

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 622 6320.

Complaints

It is our intention to provide a high level of service at all times. If you believe that we have not delivered the service you expected, we want to hear from you so that we can try to put things right. If you have cause for complaint you should initially contact the managing director at the above address or ring us on 0800 622 6320 or the manager of RSA at the address shown on your quotation or schedule, as appropriate. In the unlikely event that they are unable to resolve your concerns, your complaint will be referred to our RSA Customer Relations Team who will arrange for an investigation on behalf of our Chief Executive.

If they cannot resolve the matter to your satisfaction, they will provide you with our final response so that you can, if you wish, refer the matter to the Financial Ombudsman Service. This does not affect your right to take legal action.

RSA

Financial Ombudsman Service

Customer Relations Team
P O Box 255
Wymondham
NR14 8DP

crt.halifax@uk.rsagroup.com

Exchange Tower
Harbour Exchange Square
London
E14 9SR

 Fair Process Handling

RSA will treat your personal information fairly and lawfully in accordance with the Data Protection Act 1998.


How we use your Information
Please read the following carefully as it contains important information relating to the details that you have given us. You should show this notice to any other party related to this insurance.

Who we are
This product is underwritten by Royal & Sun Alliance Insurance plc.

You are giving your information to Royal & Sun Alliance Insurance plc, which is a member of the RSA Group of companies (the Group). In this information statement, we us and our refers to the Group unless otherwise stated.

How your information will be used and who we share it with
Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.

If you contact us electronically, we may collect your information identifier, e.g. Internet Protocol (IP) Address or telephone number supplied by your Service Provider.

We may use and share your information with other members of the Group to help us and them:

  • Assess financial and insurance risks;
  • Recover debt;
  • Prevent and detect crime;
  • Develop our services, systems and relationships with you;
  • Understand our customers' requirements;
  • Develop and test products and services

We do not disclose your information to anyone outside the Group except:

  • Where we have your permission; or
  • Where we are required or permitted to do so by law; or
  • To credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or
  • Where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries on the basis that anyone we pass it to, provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change.

We will not keep your information for longer than is necessary.

Sensitive Information
Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement.

How to contact us
On payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to: Data Protection Liaison Officer, Customer Relations Office, RSA, Bowling Mill, Dean Clough Industrial Estate, Halifax HX3 5WA.

Policy Summary

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) and you must insure your entire shipment. You cannot only insure selected items. You should declare a new replacement value and specify any item or items, individually or collectively valued in excess of GBP 1,500. 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.

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

Goods/subject-matter insured  - This means professionally or owner packed household goods and personal effects transported by a professional remover.

Claims - In the event of loss or damage which may give rise to a claim under this insurance. You must,

a) take all measures under your control to minimise any loss, and

b) notification must be given as soons as possible in writing to Insurers representatives no later than 14 days after completion of transit, being the date of delivery of the goods to residence, and

c) written notification all the items subject to the claim must then be advised within 30 days from the date of delivery of the goods to residence, and

d) full suporting 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 or approved by Insurers 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 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