Insurance Policy Summary

Introduction

This document is intended to give you a summary of the insurance coverage that will apply if you purchase insurance to cover loss or damage to your effects under our Removals & Storage Open Cover.

 

Important Information

  • Our Removals & Storage Open Cover is arranged 100% with Lloyd’s of London Insurers.
  • Our Removals & Storage Open Cover is intended to cover the needs of a typical customer placing their personal effects into the care of a removal company for the purposes of the movement or storage of those effects.
  • When you purchase our Removals & Storage Open Cover we agree to extend rights under our policy to you.
  • Whether you purchase our insurance or not, our liability for loss or damage to your effects may be limited by our trading conditions, which form part of our contract with you.
  • This document is only intended to be a summary of the cover. You should refer to the Confirmation of Removals & Storage Open Cover document for full details of all the terms and conditions.

 

What is covered by this insurance?

Your effects will be covered for ‘All Risks’ of physical loss or damage.

Under the definition of ‘All Risks’, your effects will be covered against the risks of Fire, Lightning, Aircraft, Explosion, Riot, Malicious Damage, Storm, Flood, Water Ingress, Burst Pipes, Impact, Theft and Accidental Damage.

The term ‘All Risks’ does not cover all eventualities. The policy is subject to exclusions and other important considerations as detailed in this document.

Your property will be covered from the time it is placed into the care custody or control of the removal company until finally delivered to you, subject to you maintaining the insurance by payment of the required premiums for the full period of the removal and/ or storage contract and subject to the terms, conditions and exclusions of the insurance.

 

How much will my effects be covered for?

Your effects will be covered for the total value as declared by you to us on the acceptance form.

When arriving at an appropriate value for your effects please bear in mind that this policy will handle claims on an indemnity basis unless otherwise agreed in writing between us (see ‘Basis of claims settlement’ below) and that this policy is subject to Average (see ‘average clause’ below).

 

Important considerations

Basis of claims settlement 

Insurers will take into consideration the age, quality, degree of use and consequent market value of items when calculating the settlement.  Please note that no property shall be abandoned to insurers, but insurers reserve the right to claim appropriate salvage on any property which is the subject of a claim settlement under this policy.

Average clause

If you fail to declare the full market value of your property on the proposal form, you will only be entitled to recover from insurers the same proportion of the loss as the declared value bears to the actual value of your property in the event of a claim.

Pairs & sets clause

Where any insured item consists of items in a pair or set, this insurance will not pay more than the value of any particular part or parts which may be lost or damaged, without reference to any special value which such part or parts may have as part of a pair or set, nor more than a proportionate part of the insured value of the pair or set.

Depreciation Clause

Insurer’s liability is limited to the reasonable cost of repair and no claim will be considered in respect of any depreciation in value of any item as a result of such repair.

Non Contribution Clause

If any loss or damage occurring under this policy is covered by any other insurance at the time of such loss or damage, no cover will be afforded by this policy

Excess

This insurance will not accept responsibility for the first £50 of every claim for loss or damage covered by this insurance.

 

What is not covered by this insurance? 

Exclusions

No cover is provided for the following:

A)    Loss or damage to cars or other motor vehicles including motorcycles and mopeds, boats, caravans and/or trailers unless carried within a closed vehicle or trailer specially adapted for the purpose, but including loading or unloading, and storage within a suitable building, where carried or stored as an incidental part of a domestic removal and/or storage contract.

B)    Loss or damage due to mechanical, electrical or electronic derangement unless shown to be as a direct result of physical external damage to the item concerned or as a result of fire, flood, collision or overturning of road vehicles or other conveyances

C)    Breakage, scratching, denting, chipping, staining or tearing of owner packed effects, including trunks, suitcases and the like unless reasonably attributable to physical damage caused by collision or overturning of road vehicles or other conveyances.

D)    Loss or damage which occurs prior to collection or packing by the removal company or after delivery or unpacking by the removal company.

E)    Loss or damage to jewellery, watches, trinkets, precious stones, precious metals, coins, money, deeds, bonds, securities and stamps or collections of a similar kind.

F)     Loss or damage caused by wear and tear, gradual deterioration, warping or shrinkage, moth and/or vermin unless it can reasonably be demonstrated that such loss or damage arose as a result of the actions or failings of the removal company or his subcontractors, agents or servants.

G)    Any indirect loss even if this results from the incident that caused you to claim under this policy.

H)    Loss or damage to refrigerated or frozen food and/or drink, plants, house plants, brittle objects, items with inherent defects howsoever caused and/or goods likely to encourage vermin or other pests or to cause an infestation.

I)      Prohibited or stolen goods, drugs, potentially dangerous, damaging or explosive items including gas bottles, aerosols, paints, firearms and ammunition.

J)     Animals and their cages or tanks including pets, birds or fish.

K)   Mysterious disappearance of customer goods unless evidence can be provided to prove beyond all reasonable doubt that the loss is solely attributable to the dishonesty or connivance of the removal companies employees.

L)     Loss or damage caused by Terrorism

M)    Loss or damage caused by War, invasion, an act of foreign enemy hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power.

N)    Radioactive contamination, Chemical, Biological, Bio-chemical & Electromagnetic Weapons exclusion.

O)    Loss or damage caused directly by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

P)    Inherent Vice

Q)    Mould and/or mildew unless it can be reasonably demonstrated that such loss or damage arose as a direct result of an insured peril

R)    Loss or damage which is not reported to the removal company within 7 days of the date the removal company delivered the goods.

 

Fraud

If you make any claim knowing the same to be false or fraudulent as regard to the amount or otherwise, this insurance shall become void and all claims hereunder shall be forfeited.

 

Policy procedures

Claim Notification

Should you need to make a claim under this policy you should notify: –

Rogers Removals
Unit 2, Block 3, Coppetts Centre
North Circular Road
London N12 0SH

Tel: 020 8368 7779
Email: [email protected]

All claims must be notified to us immediately upon discovery of the loss and in any case within 7 days of the date the removal company delivered the goods. (Please refer to Clause 12 of the Confirmation of Removal and/or Storage Insurance)

 

Your right to cancel

You have the right to cancel this insurance without penalty at any time prior to when the removal of your property begins. Once the goods are taken into our care or placed into store, your right to cancel ceases and you will be charged the full premium for the insurance up until when you are next due to pay a renewal premium as agreed with us (usually one month). You are then free to cancel this insurance at any time subject to 7 days notice.

 

Law applicable to this contract

The rights and obligations of the parties under this policy shall be governed by English Law and the courts of England and Wales shall have exclusive jurisdiction to adjudicate any dispute

 

Duty of disclosure

It is your responsibility to ensure that all material facts have been disclosed to us, i.e. any facts which may affect the Insurer’s view of the risk. If you are unsure of whether a fact which has not been detailed in the insurance proposal you have completed needs to be disclosed, it is recommended that details are provided to us so that we can discuss this with the insurers.

Please also ensure that all the information provided by you in your proposal is correct as these details will form the basis of the insurance contract between you and the 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.

 

Complaints 

We want to provide you with a prompt, efficient and professional service in all our dealings with you. In the unlikely event that you have a complaint, in the first instance please contact:

Customer Care Manager
Rogers Removals
Unit 2, Block 3, Coppetts Centre
North Circular Road
London N12 0SH

Tel: 020 8368 7779
Email: [email protected]

We are committed to dealing with any complaints promptly and efficiently.

As members of the British Association of Removers (BAR), we abide by the BAR Insurance Consumer Code of Conduct (BAR Code of Practice 4.1).The code requires us to have a complaints procedure and to have joined the voluntary jurisdiction of the Financial Ombudsman Service (FOS). A copy of the code and our complaints procedure are available upon request.