If you purchase the household insurance arranged by us on your behalf for loss of or damage to your effects the insurance conditions set out below will apply. Please note that irrespective of whether or not you purchase this insurance our liability for loss of or damage to your effects is limited by our trading conditions which form part of our contract with you.
SUBJECT TO YOU GIVING US INSTRUCTIONS TO INSURE, we can arrange on your behalf insurance with Brit Insurance Ltd to cover physical loss or damage to your property within our Open Cover insurance arrangements as summarised below.
1. Total Sum Insured
As declared to us on the acceptance form. Unless confirmed in writing by us prior to the move the sum insured shall not exceed:
Household Removals & Storage: £500,000 any one vehicle Office/Commercial Removals: £500,000 any one vehicle.
2. Insured Perils
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. For Self Storage cover is restricted to fire, lightning, explosion, storm, flood, burst pipes, theft accompanied by forcible and violent entry or exit, riot, strike, civil commotion, malicious damage, impact by vehicles.
It is a condition of the household insurance that the sum insured represents the full total value of your effects. If you fail to declare the full replacement value of your effects, in the event of a claim you will only be entitled to recover from Insurers the proportion of the loss as the declared value bears to the total replacement value of your property.
4. Basics of Claims Settlement
The settlement of any claim shall be by replacement, repair and/or compensation at Insurer’s option. In the event of the total loss or destruction of any item insured under this Insurance, the basis of settlement shall take into consideration the age, quality, degree of use and consequent market value of any such lost or damaged item(s). The settlement will be on an indemnity basis and is not new for Old. Documents where any claim includes loss of or damage to documents the basis of settlement shall 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.
5. Policy Excess
Insurers will not pay the first £250 of each customer’s claim.
6. Pairs & Sets Clause
Where any items are part of a pair or set Insurers shall only pay for the actual items which are lost or damaged. No payment will be made by Insurers for any items which are part of a pair or of a set and which are not lost or damaged.
7. Duty of Disclosure
It is your responsibility to ensure that all material facts have been disclosed to Insurers i.e. any facts which may affect Insurers view of the risk. If you are unsure of whether a fact which has not been detailed needs to be disclosed, it is recommended that details are provided to Insurers for consideration. Please also ensure that all the information provided by you is correct as these details will form the basis of the insurance contract between you and Insurers. If your circumstances change between the date you purchase the policy and the date when you require the policy to commence, please tell us. Incorrect information or failure to disclose all material facts could invalidate all or part of the cover and result in a claim being declined.
8. Time Limit for Claims Notification
All claims must be notified to the remover whether unpacked or not within 7 days of delivery of the property or in the case of non-delivery 7 days from when the property would normally be delivered unless a time extension is requested by you and agreed by us in writing.
9. Claims Procedure
If your goods become lost or damaged and you wish to make an insurance claim please notify us in writing.
10. Law & Jurisdiction
The parties are free to choose the law and jurisdiction applicable to this insurance contract. Unless specifically agreed to the contrary, this Insurance shall be subject to English law and the exclusive jurisdiction of the Courts of England and Wales.
11. Customer Service
If you feel we have not offered you a first class insurance service please write and tell us and we will do our best to resolve the problem. In the event you wish to pursue matters further you may be able to refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service can normally deal with complaints from private individuals and from small businesses with an annual turnover of less than £1 million (for a group of companies, this means a group annual turnover of less than £1 million). The Financial Ombudsman Service can also help with complaints from charities with an annual income of less than £1 million; and from trusts with a net asset value of less than £1 million. The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Helpline: 0845 080 1800. Switchboard: 020 7964 1000. Website: www.financial-ombudsman.org.uk