1 THINKING RELOCATION? THINK INTERDEAN. Lump Sum Insurance Documentation We make it easy.
2 INSURANCE GUIDANCE NOTES Here at Interdean, you can be assured that every care is taken by us to protect your goods from the uncertainty of international transit. Despite this, experience has taught us that sometimes the unexpected can happen and accidental loss and/or damage to your goods may occur and as such we are able to offer transit insurance. We recommend that you give careful consideration to this matter and take insurance cover for all shipments, including storage. Sea, Air, Road & Storage cover We are able to offer Marine Cargo Insurance through our contract with a single insurance provider, Pac Global Inc. The policy gives all risks cover from packing through to final delivery by covering all insured perils. For more details and exclusions you should read your Policy Summary document, as well as our insurance Terms & Conditions. How do I arrange cover? After confirming with us you would like to take advantage of Pac Global s insurance, you will need to identify any high value items you wish to insure. Shipment value (including the cost of the move) <EUR 150,000 EUR 150,001- EUR 350,000 EUR 350,001- EUR 750,000 Individual valuation required Any item valued EUR 1,500 or above Any item valued EUR 2,500 or above Any item valued EUR 4,000 or above The value of your shipment is based on a ratio of 2,500 per net cubic meter. Please note we are unable to offer this policy where the total value of the shipment is less that 12,500 or above 750,000. The basis of for this policy is new replacement cost at destination, There are also optional extensions that can be added at an additional premium to include the cover of pairs & sets, mechanical breakdown, and mould & mildew. The cover levels are outlined in the Policy Summary document and we encourage you to read this document carefully. Acceptance of the policies terms and conditions and a list of any high value items must be received prior to shipment in order to ensure cover is in place and Certificate of Insurance can be issued. IMPORTANT NOTES You should obtain an itemised independent appraisal or valuation for any antiques, fine art or other items that you wish to cover for more than 20,000. This is to eliminate any potential reduction for under insurance. Under insurance may be applied if for example a damaged high valued item is insured for 3,000, yet the replacement value is 6,000. Insurers would then deem the item to be under insured by 50% and would therefore only pay 50% of any repair charge. If repairs exceed a declared value, insurer s liability will be limited to the declared value as insurance protection can never be higher than the value you declared. Any items that are excluded from the policy will be deducted from the overall value of cover and will not be insured. Shipping / moving costs can be insured for added peace of mind. This will also cover the shipping costs for any replacement items that cannot be purchased in the destination country.
3 Pac Global Insurance Brokerage Inc. POLICY SUMMARY Some important facts about your Marine Cargo insurance are summarised below. Please also make time to read the terms & conditions located on the last page of this insurance package. A further copy will be provided as part of your policy document. ABOUT YOUR MARINE CARGO COVER Features & Benefits Significant Exclusions or Limitations included automatically Policy Section All Risks cover (i.e. damage, breakage, theft, non-delivery) for your goods, from packing to final delivery Loss, damage or expense reasonably attributable to ordinary wear & tear and/or gradual deterioration, atmospheric or climatic conditions, vermin, moth damage, consequential loss and loss of data. Mould & mildew (see Optional Cover). Reduction in Value. 5.d) 5.a) Household goods & personal effects at new replacement cost in the country of destination. Other goods (e.g. antiques) at the current market value in the country of destination. Perishables, bank & treasury notes, stamps, jewellery, money, precious metals & stones, securities and watches. Electrical & Mechanical Derangement (see Optional Cover) Pairs & sets (see Optional Cover) b) 5.c) Owner packed goods Motor vehicles, boats & trailers at the current market value in the country of destination. Breakage, scratching, denting, chipping, staining and tearing of owner packed effects unless directly caused by fire, stranding, sinking or collision of the vessel or collision or overturning of transporting land conveyance. Also excluding claims for missing items of owner packed cartons or packages unless the cartons or packages are left open for Interdean to close and seal, and an itemised valued list of contents of each carton or package is supplied by the owner to Interdean at the time. Motor vehicles while under own power, scratching/denting/marring unless vehicle condition report is completed, non-factory accessories, goods packed in motor vehicles 2.b) 5.e) Shipping costs (must be entered on Insurance Valuation form) 4.b)
4 Optional Cover Significant Exclusions or Limitations Policy Section The following cover is applicable only if you have chosen to add it to your policy, completed any relevant documentation and paid the additional premium. Electrical & Mechanical Derangement Pairs & Sets Mould & Mildew Goods must have been subject to testing/assessment by Interdean prior to transit and confirmed to be in good working order. Goods must have been packed by Interdean. Not applicable to motor vehicles, boats and trailers. Maximum amount recoverable 10,000 or 20,000 (depending on selected option). Limited to the reasonable reduction in value of the pair or set by reason of the loss of or damage to the affected items having regard to the importance of the affected items within the pair or set. Maximum amount recoverable 10,000 or 20,000 (depending on selected option). Goods must have been packed by Interdean. Maximum amount recoverable 10,000 7.a) 7.b) 7.c) DURATION OF COVER Your cover is valid from the time that the goods are collected at the agreed place of origin, unless the goods are packed by Interdean or their agents in which case cover begins upon the commencement of packing, and continues during the ordinary course of transit, terminating from the time the goods are off-loaded and safely delivered to the agreed final destination. The above duration of cover is deemed to include thirty days storage immediately after collection at origin and thirty days storage prior to delivery at final destination, provided always that the Goods are stored at a premises of Interdean or their agents. Storage cover can be extended beyond this period upon your instruction and in consideration of an additional premium. NB: where you deliberately instruct us to store your goods, then an additional premium is applicable and cover commences immediately. In the case of long term storage, you may wish to review and update your cover periodically to ensure that it remains adequate. CANCELLATION RIGHTS We hope that you are satisfied with the cover that this policy provides. However, you have the right to cancel within fourteen (14) days of the policy s inception (first day of packing) should you wish to do so. Notification must be provided in writing within the 14 day time limit, by mail to your Interdean Co-ordinator. Should you exercise your right to cancel, we will refund your premium minus a charge for cover provided from the beginning of the contract until the policy is cancelled. IMPORTANT NOTE: if the duration of your policy is less than 30 days (from the first day of packing to the delivery at final destination), then you have no cancellation rights.
5 CLAIMS In the unfortunate event that you need to make a claim for goods that have been lost or damaged in transit please complete and submit the CLAIMS NOTIFICATION FORM that will be provided with your Insurance Certificate. Please ensure that due notice is given to Interdean within 14 days after delivery (or after scheduled delivery in the event of non-delivery). Presentation of a claim in its entirety must not exceed 60 days from the date of such notice. This period can only be extended by prior agreement. COMPLAINTS In the event that you have a complaint against Pac Global Insurance Brokerage Inc. your complaint can be made to the Managing Director, Pac Global Insurance Brokerage, Inc. 898 Sepulveda Blvd. Suite 700, El Segundo, CA Telephone: (310) Any complaints against Interdean Ltd as an insurance intermediary should be addressed to the Insurance Department, Interdean Ltd, 15 Central Way, London NW10 7XW or by to A copy of our internal complaint handling procedure is available upon request.
6 LUMP SUM PROPOSAL FORM Lump Sum Insurance Terms and Conditions 1. Lump Sum Insurance does not require the completion of a detailed Valued Inventory List itemising and valuing every item shipped. 2. The total sum insured of the property will be calculated upon the total number of cubic metres shipped multiplied by an agreed value per cubic metre. 3. This Lump Sum Insurance is not available for shipments of less than 5 cubic metres or EUR 12, The agreed value per cubic metre cannot be less than EUR 2,500 but can be increased provided that the total insured value does not exceed EUR 750, All high value items must be declared and individually valued per the table below: Total Sum Insured Items to be declared individually < EUR 150,000 Any item valued EUR 1,500 and above EUR 150,001 EUR 350,000 Any item valued EUR 2,500 and above EUR 350,001 EUR 750,000 Any item valued EUR 4,000 and above 6. This Lump Sum Insurance will not apply to any shipment with a total sum insured exceeding EUR 750,000. Such shipments may only be insured under the Interdean Standard cover. 7. Pairs & Sets, Mechanical & Electrical Derangement, Mould & Mildew cover extensions are available at an additional premium and are subject to items being individually declared and valued. Assured details: Name of Insured: Origin address: Destination address: (a) Total Number of cubic metres shipped (no less than 5cbm): (b) Value per cubic metre (not less than EUR 2,500): Total Sum Insured (a) x (b):
7 Detailed list of high value items and/or any item you wish to include Pairs & Sets, Mechanical & Electrical Derangement and Mould & Mildew cover. Description of Goods Value Currency P&S MED M&M Please indicate the limit of coverage required for each optional extra: 1) Electrical, Electronic & Mechanical Derangement Extension (Max sum insured cover is EUR 10,000) Yes/No 2) Electrical, Electronic & Mechanical Derangement Extension (Max sum insured cover is EUR 20,000) Yes/No 3) Pairs & Sets Extension (Max sum insured cover is EUR 10,000) Yes/No 4) Pairs & Sets Extension (Max sum insured cover is EUR 20,000) Yes/No 5) Mould and Mildew (Max sum insured cover is EUR 10,000) Yes/No I declare that I have disclosed all material facts and understand that failure to do so could render the insurance void. I declare that the amounts stated above are the new replacement cost of the goods at destination. I have read the conditions of insurance attached and understand that these shall form the basis of the proposed contract between the Insurers and me. I understand that if I do not insure shipping and packing costs, then in the event of a total loss of the consignment the insurance will not refund these costs, nor will it cover the cost of re-forwarding items if required to the destination country. Sign:... Date:... This Proposal Form is subject to the Provisions of Open Marine Cargo issued by Pac Global Insurance Brokerage Inc. and all information provided hereon is legally binding upon the insured.
8 TERMS & CONDITIONS (Subject to the Provisions of Open Marine Cargo Policy issued by Pac Global Insurance Brokerage Inc.) 1. PROPERTY INSURED Household goods and personal effects, antiques, fine art, motor vehicles, boats and trailers as declared attaching to and forming part of this insurance, but in no case shall this insurance cover perishables, bank & treasury notes, stamps, jewellery, money, precious metals & stones, securities and watches (collectively hereinafter called Goods ). 2. RISKS INSURED ALL RISKS GOODS PACKED BY INTERDEAN OR THEIR AGENTS Against All Risks of physical loss of or damage to Goods in accordance with the following London Institute Clauses current at the time of commencement of transit: Institute Cargo Clauses (A) or (Air), the relevant Institute War Clauses and Institute Strikes Clauses, Institute Classification Clause, Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons Exclusion Clause, Institute Cyber Attack Exclusion Clause. Subject always to the Termination of Transit Clause (Terrorism) (JC056). b) OWNER PACKED GOODS COVER AS ABOVE BUT EXCLUDING CLAIMS FOR Breakage, scratching, denting, chipping, staining and tearing of owner packed effects unless directly caused by fire, stranding, sinking or collision of the vessel or collision or overturning of transporting land conveyance. Also excluding claims for missing items of owner packed cartons or packages unless the cartons or packages are left open for Interdean to close and seal, and an itemised valued list of contents of each carton or package is supplied by the owner to Interdean at the time. c) RESTRICTED CONDITIONS Cover as per 2 (a) above but reference to Institute Cargo Clauses (A) is deleted and replaced by Institute Cargo Clauses (B) amended to include theft and non-delivery of the entire consignment. 3. DURATION OF COVER Cover attaches from the time the Goods are collected at the agreed place of origin, unless the Goods are packed by Interdean or their agents in which case cover attaches upon the commencement of packing, and continues during the ordinary course of transit, and shall terminate from the time the Goods are off-loaded and safely delivered into agreed final destination. Including transits to and from the premises of Cleaners, Repairers or Restorers where such transit is a direct result of loss or damage recoverable under this insurance. Storage Cover The above duration of cover is deemed to include thirty (30) days storage immediately after collection at origin and thirty (30) days storage prior to delivery at final destination provided always that the Goods are stored at a premises of Interdean or their agents. Extended Storage Cover In consideration of an additional premium, the above cover may be extended provided always that you submit written confirmation and premium is paid prior to the commencement of the extended storage period. Notwithstanding the above the duration of cover in respect of War and Strikes risks shall be in accordance with the relevant Institute War and Institute Strikes Clauses. 4. VALUATION OF GOODS a) NEW REPLACEMENT COST: Household goods and personal effects, must be declared at and insured for their new replacement cost in country of final destination. All other Goods must be declared at and insured for their current market value in country of final destination. b) SHIPPING COSTS: The Insured has the option of increasing the Insured Value to allow for the costs of duty, shipping costs and/or similar charges. c) UNDER INSURANCE: In the event that Goods are declared at a value less than that specified above then any claim under this insurance will be limited to the same proportion of the loss as the declared value bears to the value that the Goods should have been insured for hereunder. 5. EXCLUSIONS In addition to the exclusions specified in the Institute Clauses and/or elsewhere in this insurance, the following exclusion clauses shall apply: a) GENERAL: In no case shall this insurance cover loss damage or expense reasonably attributable to ordinary wear tear and/or gradual deterioration, vermin, moth damage, consequential loss, loss of data and atmospheric and/or climatic conditions (See optional cover extension 7c in respect of mould and mildew). b) ELECTRICAL & MECHANICAL DERANGEMENT: This insurance excludes mechanical and/or electrical and/or electronic derangement and/or breakdown of the Subject-matter insured or any part thereof unless caused by a peril insured against. (See optional cover extension 7a) c) PAIRS AND SETS: Where any insured item consists of articles in 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 article or articles may have as part of such pair or set, nor more than a proportionate part of the insured value of such pair or set. (See optional cover extension 7b). d) REDUCTION IN VALUE: This insurance excludes any reduction in value arising from repairs or restoration of a damaged item or depreciation as a result thereof. e) MOTOR VEHICLES: In no case shall this insurance cover: 1. loss damage or expense to a motor vehicle whilst under its own power except whilst within the confines of the port or whilst being driven into or out of a shipping container. 2. claims for scratching denting or marring of motor vehicles unless the forwarder and the owner both agree and sign a certificate of condition or similar document stating the condition of the motor vehicle prior to shipment, noting all defects. 3. any non-factory installed accessories unless specifically declared and valued for insurance. 4. any Goods packed in motor vehicles. 6. TERMS AND CONDITIONS a) E.U. DISCLOSURE CLAUSE (UK): The Parties are free to choose the law applicable to this Insurance Contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law. b) 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 organization, excepting Interdean. c) OTHER INSURANCE: This insurance does not cover any loss or damage which at the time of the happening of such loss or damage is insured by or would, but for the existence of this insurance be insured by any other existing Policy except in respect of any excess beyond the amount which would have been payable under such other Policy had this insurance not been effected. d) REPAIR OR REPLACEMENT: The 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 not exceeding the insured value thereof. The Insurers may require proof of value of any items claimed. e) CLAIMS NOTIFICATION: In the event of loss or damage that may give rise to a claim under this insurance, immediate notice must be given in writing to the Insurers representatives. It is a condition precedent to Underwriters liability under this insurance that first notification of any losses and/or damages incurred must be notified within 14 days after delivery or after scheduled delivery in the event of non-delivery. Presentation of a claim in its entirety after notice will be in a timely fashion not to exceed 60 days from the date of such notice. This period can be extended by agreement. f) DEDUCTIBLE: If a deductible is applicable then the sum stated shall be deducted from any adjusted claim for loss or damage. g) PREMIUMS PAYMENT: Insurers shall only be liable to settle a claim recoverable under this insurance provided Interdean confirms that insurance premiums have been received. In the event that Interdean advises premiums are outstanding, the Insurers will settle a valid claim once premiums have been paid. 7. COMPLAINTS: Every effort is made to ensure you receive a high standard of service. If you are not satisfied with the service you have received, you should contact: The Managing Director, 898 Sepulveda Blvd, Suite 700, El Segundo, CA To help us to deal with your comments quickly, please quote your Policy/Claim Number and Policyholder/Insured Name. We will do our best to resolve any difficulty directly with you. 8. OPTIONAL COVER EXTENSIONS (Must be purchased prior to inception of cover and subject to an additional premium) a) ELECTRICAL & MECHANICAL DERANGEMENT EXTENSION: Subject always to the relevant Goods being packed by Interdean, cover is extended to include damage to the Goods caused by electronic and/or electrical and/or mechanical derangement provided the items have been subject to testing/assessment by Interdean prior to transit and confirmed to be in good working order. This extension does not apply to Motor Vehicles, Boats, and Trailers. The maximum amount recoverable under this clause is either EUR 10,000 or EUR 20,000 as reflected on the Certificate of Insurance b) PAIRS AND SETS EXTENSION: In the event of loss or damage recoverable to any item or items forming part of a pair or set, the indemnity afforded by this policy shall be limited to the reasonable reduction in value of the pair or set by reason of the loss of 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 the Insurers option, become their property in the event that the Insurers agree to pay the total loss of the pair or entire set. The maximum amount recoverable under this clause is either EUR 10,000 or EUR 20,000 as reflected on the Certificate of Insurance. c) MOULD AND MILDEW EXTENSION: Subject always to the relevant Goods being packed by Interdean and notwithstanding the atmospheric and/or climatic conditions exclusion clause, cover is hereby extended to include damage to the Goods resulting in mould and/or mildew. The maximum amount recoverable under this clause is EUR 10,000.
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Landlord s Household Insurance Policy Summary This document is a guide to the cover provided under Your Landlords Household policy. It is only a summary and does not contain the full terms and conditions
CONTRACTOR PLANT AND MACHINERY INSURANCE POLICY WORDING CONTRACTOR PLANT AND MACHINERY INSURANCE POLICY WHEREAS the Insured named in the schedule hereto by a proposal and declaration, which shall be the
Personal Jewelry Insurance Policy Please read your entire policy carefully This is a jewelry repair or replacement policy Table of Contents Page Agreement.. 1 Definitions.. 2 Property Covered..2 Property
Tariff Advisory Committee Sheet No: 60 Mumbai 31-03-2001 8. Earthquake (Fire and Shock) ADD ON COVERS Policy may be extended to cover the above subject to following endorsement wordings: If option to delete
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