Insurance Summary of Cover

If you purchase the 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 Underwritten 100% by certain Underwriters at cover physical loss or damage to your property within our “Open Cover” insurance arrangements as summarised below. You may inspect the policy
at our office on request
As declared to us on the acceptance form.
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.
Owner Packed Goods – As above but excluding
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 overturn of transporting land
conveyance. Also excluding claims for missing items of owner packed
cartons or packages unless an itemised valued list of contents of each
carton or package is supplied by the owner prior to commencement of
Cover in respect of Self Storage is limited to the following perils:
Actual physical loss of or damage to your property caused by Fire,
Lightning, Explosion, Earthquake, Storm, Flood, Escape of Water or
other Liquid Substance, Moth, Insect or vermin from an external cause,
Theft Accompanied by Forcible and Violent Entry or Exit, Riot, Strike,
Civil Commotion, Malicious Damage, Impact vehicles of any kind
It is a condition of the 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.
The settlement of any claim shall be by replacement, repair and/or
compensation, taking into consideration at underwriters option the age,
quality, degree of use and consequent market value. This policy is not
“new for old”.
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.
Insurers will not pay the first £100 of each customer’s claim.
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.
It is your responsibility to take reasonable care not to make
misrepresentations to insurers. This requirement includes (but is not
limited to) a requirement to disclose to us if you are unable to comply
with any term of this document and/or any term in our trading conditions.
This insurance may be voidable in the event of your deliberate or
reckless or careless misrepresentation that, without the
misrepresentation, the insurer would not have entered into the contract
at all or would have done so only with different terms.
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.
If your goods become lost or damaged and you wish to make an
insurance claim please notify us in writing.
We are dedicated to providing a high quality service and we want to
ensure that we maintain this at all times. If you feel you have not been
offered a first class service please write and tell us and we will do our
best to resolve the problem. You may alternatively, if preferred, contact
the Insurance Administrator: Reason Global Insurance. 4th Floor,
Lyndean House, 43-46 Queens Road, Brighton, BN1 3XB
If you are unable to resolve the situation and wish to make a complaint
you can refer it to the Complaints Department at Lloyds who may, in
certain circumstances be able to review the matter. Their address is:
Complaints Department
One Lime Street
Tel No: 020 7327 5693
Fax No: 020 7327 5225
In the event that the Complaints Department is unable to resolve your
complaint it may in certain circumstances be possible for you to refer it to
the Financial Ombudsman Service at:
Exchange Tower
Harbour Exchange Square
E14 9SR Tel No: 0845 080 1800
Financial Services Compensation Scheme
Lloyds is covered by the Financial Services Compensation Scheme. You
may be entitled to compensation from the Scheme if we cannot meet our
obligations to you under this contract. If you were entitled to
compensation under the Scheme, the level and extent of the
compensation would depend on the nature of this contract. Further
Information about the Scheme is available from the Financial Services
Compensation Scheme (7th floor Lloyd’s Chambers, Portsoken Street,
London E1 8BN) and on their website:
No cover is provided for the following
(1) Jewellery, Watches, Precious Stones, Money, Coins, Bullion, Deeds, Bonds, Securities and Stamps of all kinds except
whilst in store in a locked safe or strong room.
(2) Furs, perfumery, tobacco, cigars, cigarettes, wines, mobile phones and spirits. It is agreed, however, that cover will be
provided for these items where they are part of a household or office removal or storage contract subject to a limit of
£10,000 any one customer, any one job.
Livestock, Explosives, Flammables
Any other goods which you are not permitted to submit for removal and/or storage under the terms of our trading
(5) Loss or damage caused by wear, tear, gradual deterioration (including the deterioration of contents of deep freeze units),
inherent vice or latent defect.
(6) Loss or damage caused by moth, insect or vermin unless from an external cause.
(7) Loss or damage caused by leakage of liquid from a receptacle or container unless packed by the Remover.
(8) Mechanical or electrical damage or derangement of any mechanical or electrical goods unless reasonably attributable to
physical damage to such items from an external cause, or following fire, flood, collision or overturning of road vehicles or
other conveyances.
(9) Loss of data records other than cost of blank data carrying materials.
(10) Any consequence of War, Invasion, Act of Foreign Enemy Hostilities (whether War be declared or not), Civil War,
Rebellion, Revolution, Insurrection or Military or Usurped Power or confiscation or nationalisation or requisition or
destruction of or damage to property by or under the order of any government or public or local authority. This exclusion
shall not apply to overseas removals whilst the Customers’ property is waterborne.
(11) Loss or damage in respect of goods in storage caused by or resulting from Acts of Terrorism or any person(s) acting from
a political motive. This exclusion shall not apply to storage in the ordinary course of transit as more fully set out in the
Termination of Transit Clause (Terrorism).
(12) Ensuing or indirect losses resulting from or as a consequence of claims made for loss or damage arising from an Insured
(13) Loss or damage or liability or expense directly or indirectly caused by or contributed to, by, or arising from:-
Ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the
combustion of nuclear fuel.
The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or
nuclear assembly or nuclear component thereof.
Any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion
in this sub-clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being
prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes.
(14) Loss or damage or expense directly, or indirectly, caused by or contributed to, by or arising from:-
Any chemical, biological or electromagnetic weapon.
The use or operation, as a means for inflicting harm, of any computer, computer system, computer software program,
computer virus or process or other electronic system.
(15) Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling
at sonic or supersonic speeds.
(16) If at the time of loss there is other insurance in force this insurance shall only respond to the extent that losses are not
recoverable under the other insurance.