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So what’s covered?

Important insurance info follows. As with the ‘Institute Marine Cargo Clauses (A)’ - where not consistent with the undernoted additional conditions including war, strikes, riots and civil commotions (re: the appropriate ‘Institute Clauses’ 1) - the indemnity that this insurance provides will not include:

 

- Loss or damage to trinkets, jewellery, precious stones, watches, precious metals, money, furs, bonds, securities, deeds, stamps of all kinds, manuscripts or other documentation, livestock, spirits, wines, tobacco, foodstuffs, plants or perishable items of any sort.

 

- Loss or damage caused by or arising from wear and tear, gradual deterioration, vermin, insect or moth, rust and mildew or atmospheric or climatic conditions and extremes of temperature or the leakage of powder or liquid from any container or receptacle.

 

- Loss of any kind or description, indirect or consequential.

 

- The loss of individual goods packed by the owner in furniture, cases, trunks, boxes, cartons or other receptacles unless such items have been listed and their existence and value revealed to the company prior to beginning of the transit.

 

- Breakage, denting, scratching, chipping, tearing and staining.

 

- Electrical, mechanical or electronic derangement.

 

- Depreciation following from repairs.

 

- Scratching, bruising, denting or marking of furniture constructed of plastic-coated chipboard or composition, or puncturing of artificial upholstery and marking of ‘dralon’ or similar upholstery unless

What is covered

caused as the result directly of an accident to the conveying vehicle.

 

Make a note of this:

 

1) There is a minimum charge for every single claim.

 

2) In the event of the items covered by this insurance being, at the time of loss, collectively of superior value than the Sum Insured hereby, then the Insured shall be considered as being his or her own Insurer for the difference, and shall bear a proportionate share of the loss.

 

3) If a claim hereunder be in any respect deceitful or any fraudulent devices be used by the Insured or anyone acting upon his or her behalf or obtain any benefit under this Insurance, all benefits shall be forfeited.

 

4) Where any insured item consists of articles in a pair or set, this Insurance is not to 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 a part of such pair or set, nor more than a proportionate part of such pair or set.

 

5) The Insurers may, at any time after loss or damage, take and keep possession of the Insured property and take care of the salvaging, and if the Insured or anyone acting on his behalf shall obstruct or prevent the Insurers from this undertaking, all benefit under this Insurance shall be forfeited. No property may be forsaken to the Insurance Company.

 

6) This insurance is subject to the exclusive authority of the English Courts.

 

One more thing: As with all insurance there is an ‘insurance excess liability’ amount whereby the customer is responsible for an initial proportionate amount of the claim being registered. In this instance, the ‘excess liability’ for insurance placed with Aviva is based upon a UK Sterling amount of £50.00 (fifty pounds) or the equivalent in local currency.