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Note to the Remover and Customer
The following policy summary is given as guidance and in compliance with the FSA Rules for the provision of information.
Please note that the Policy Summary does not contain the full terms and conditions of the non-investment insurance contract, for which referral to this site's "Conditions of Insurance" page should be made.
HOUSEHOLD CONTENTS REMOVAL INSURANCE
Policy Summary
INSURANCE UNDERTAKING
Underwritten by Specialist Insurance Brokers Limited with Security provided by Enterprise Insurance Company Plc.
TYPE
Household Contents Removal Insurance.
INTEREST
Customers property consisting of Household Goods and Personal Effects incidental to a household removal.
CONDITIONS
As per Conditions of insurance shown within website: www.sibremovers.co.uk but principally:
Institute Cargo Clauses (A) CL252 01/01/82
Institute Strikes Clauses (Cargo) CL256 01/01/82
Institute Classification Clause CL354 01/01/2001
Institute Radioactive Contamination Chemical, Biological, Bio-Chemical, Electromagnetic Weapons Exclusion Clause CL370 10/11/03
Institute Cyber Attack Exclusion Clause CL380 10/11/03.
FEATURES / BENEFITS
The Institute Cargo Clauses (A) named above are normally the widest form of cover available for “Interests” of the nature stated above and afford cover against physical loss or damage to the goods by accidental causes during the ordinary course of transit.
The clauses contain a standard list of exclusions of which the principle exceptions are loss due to delay, the inherent nature of the goods, insufficient or inadequate packing, ordinary wear and tear, consequential loss or loss of market.
The policy has been extended to cover the goods against loss of or damage caused by rioters during civil commotions and strikes. The basic exclusions apply and it should be noted that the strikes element does not include expense incurred where the goods are diverted from a strike bound port.
DURATION
From the time of taking up until finally delivered in accordance with the terms of the contract between the Contractor and the Customer. In transit between any address or in any depository, store or warehouse or whilst at the premises of or in transit to and from the premises of carpet cleaners, repairers or restorers within the territorial limits above.
In respect of removal risks this insurance is only to pay for loss or damage where the commencement of transit took place during the currency of the declared insurance.
In respect of storage risks this insurance is only to pay for loss or damage discovered during the period of the declared insurance.
CANCELLATION
The Customer: This insurance may be cancelled at any time prior to commencement of the risk.
CLAIMS
In the event of a claim there are clear instructions stated within the web site and in the certificate of insurance, for the procedure to be undertaken including the documentation required. Information regarding a surveyor if necessary is also shown. You may of course refer the matter directly to us or Specialist Insurance Brokers Limited at any time.
COMPLAINTS
All complaints will be handled fairly and promptly. You as a client can complain at any time during the insurance process. This may be orally, in writing, by facsimile or by e-mail. Our Complaints Procedure complies with applicable regulatory requirements and is available upon request. All complaints should be addressed to The Compliance Officer at the address shown herein and will be acknowledge within five (5) working days. A "Service Standards Advice" is also shown within the web site for your information.
COMPENSATION
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim.
Full details and further information on the Scheme are available from the FSCS at 7th Floor, Lloyd’s Chambers, 1 Portsoken Street, London E1 8BN.