Removal Group
MARINE INSURANCE

HOUSEHOLD GOODS AND PERSONAL EFFECTS

(NON-ACCOMPANIED)

PROPOSAL

Inventory of Personal and / or Removal Effects
(This inventory will form part of the Policy when issued)

All property should be insured at its full replacement value at destination. Failure to do so will result in claims being reduced proportionally. Any antique articles must be separately declared and valued under Item 34 and are subject to special rates to be agreed.

Outline of Cover
This description of the insurance must be regarded only as an outlined. The policy is a legal document and as such defines the insurance in precise terms. A specimen of the policy is available on request.
Two types of cover, described below, are available. The wider, Cover A, is ONLY for effects which are professionally packed. Whichever cover is chosen the Policy will be issued to cover the transit from domicile and will include up to 30 days whilst at the packers premises, other incidental storage during the course of transit, and a period of not exceeding 60 days after arrival of the carrying vessel or conveyance at the overseas port or until prior to delivery of final domicile whichever occurs first. Further extensions of cover are available on request.

Cover A
This protects your property for Accidental Loss or Damage during the entire transit. War and Strikes Risks are included and the principle exclusions from cover are as shown below (only available for professionally packed effects)

Cover B
This is more restricted form of cover providing protection from Accidental Loss or Damage caused by:
- Fire, Explosions, Earthquake, Volcanic Eruption or Lightning
- Sea Water, stranding, sinking or collision involving the carrying vessel
- Overturning or derailment of land conveyance
- Total loss of an entire shipping package

Principle Exclusions (Cover A and B)
- Wear and Tear
- Loss, damage or expense caused by insufficient or unsuitable packing or preparation of the insured property.
- Loss, damage or expense caused by moth, vermin and gradual deterioration.
- Loss, damage or expense caused by delay or any consequential loss arising therefrom.
- Electrical or mechanical derangement unless caused by an accident in transit

Special Conditions
Your attention is drawn to the following conditions, which apply to all policies.

Average - The effect of the Valuation Clause and the Replacement Clause in your Policy will mean that in the event of the sum insured for the property being less that the present day market value at destination then the maximum amount recoverable to you will be limited to such proportion as the sum insured for the property nears to the market value at destination.
Pairs and Sets Clause - If any damage occurs to your property, which is part of a pair, or set then the amount recoverable under this policy shall be calculated as though the article has been separately insured at pro rate of the insured value of the complete pair or set.
In the event of a claimIt is the duty of the Insured and the Agents, in all cases to take such measures as may be reasonable for the purpose of averting or minimising a loss and to ensure that all rights against, Carriers, Bailees, or other third parties are properly preserved and exercised. In particular, the insured of their Agents are required.

1. To claim immediately on the Carriers and on the Port Authorities for any missing packages.2. To apply immediately for a survey in the docks by Carriers Representative within three days of the delivery if the loss or damage be apparent and claim upon such Carriers for any loss of damage found at such survey.3. In no circumstances, except under written protest, to give clean receipts where goods are in doubtful condition.4. To give notice in writing to the Carriers Representative within three days of the delivery if the loss or damage was not apparent at the time of taking delivery.

NOTE
The Consigned or their Agents are recommended to make themselves familiar with the Regulations of the Port Authorities at the port of discharge.

Any claim under this insurance should be submitted without delay, accompanied by all correspondence with Carriers and other parties regarding their liability to: