a2bmoves.co.uk Basingstokes house clearance and removals company Hampshire Winchester house moves

Summary of our Insurance Policy

If you ask us to accept responsibility for insuring your goods under our own insurance policy the insurance conditions set out below will apply. Please note that we cannot accept responsibility for insuring your goods unless you have provided us with a written declaration of value. If you do not provide us with a written declaration of value our liability for loss or damage to your effects is limited by our trading conditions as if you were not insured.

For your information our insurance has been arranged with certain underwriters at Lloyds of London and a full copy of the policy wording may be inspected at our office upon request.

Please note that this insurance has been arranged solely in the name of our business. As our customer you will have no enforceable rights under our insurance policy.

COVER

Loss or Damage to Goods in Transit anywhere in the United Kingdom.

SUM INSURED

As declared to us in writing. The sum insured shall not exceed £20,000 unless confirmed in writing by us.

AVERAGE CONDITION

If the customer,s goods insured under this insurance are, at the time of loss or damage, collectively of greater value than the value declared, then the Insured shall bear the equivalent proportion of the claim in the same ratio as the actual value exceeds the declared value.

FRAUD

If the insured shall 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.

TIME LIMITS FOR CLAIM NOTIFICATION

All claims must be notified to the Remover immediately.

EXCESS

In line with the policy conditions, we do not accept responsibility for the first £250 of every claim for loss or damage covered by this insurance.

LAW APPLICABLE TO THIS CONTRACT

The Terms and Conditions of this policy are subject to the Law of England unless specifically agreed to the contrary.

EXCLUSIONS

There are various exclusions under the standard policy terms and conditions, amongst which are:

LOSE OR DAMAGE

• Which occurs before leaving the premises or after delivery at the unloading point.

• Consequent upon delay in transit or consequential loss of whatever nature.

• Whilst the vehicle is left unloaded overnight and unattended other than Loss or Damage to the contents whilst the vehicle is temporarily unattended provided all locks and fastenings thereto and thereon are in complete and actual operation.

• Caused by moth or vermin, wear and tear, depreciation or deterioration, electrical or mechanical derangement (unless caused by external means) or inadequate packing or insulation, contamination, shortage, evaporation or discolouring howsoever caused.

• Or legal liability arising from radiation, war,hostilities, terrorism, caused under the order of the Government or Public Authority, pressure waves caused by aircraft, or pollution or contamination

All Hazardous, noxious or toxic goods of any description.

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