Extent
of cover against 'ALL RISKS OF PHYSICAL LOSS AND / OR DAMAGE'
As per the Institute Marine Cargo Clauses (A) where not consistent with the
under noted additional conditions, including War, Strikes, Riots and Civil
Commotions as per the appropriate Institute Clauses. 1., the indemnity provided
by this Insurance shall not include:
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- Loss or damage to Jewelry, Watches, Trinkets, Precious Stones, Precious
Metals, Furs, Money, Deeds, Bonds, Securities, Stamps of all kinds, Manuscripts
or other documents, Livestock, Wines, Spirits, Tobacco, Plants, Foodstuffs or
perishable goods of any kind.
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- Loss or damage caused by or arising from wear and tear, gradual
deterioration, Moth, Insect or Vermin, Mildew and Rust or atmospheric or
climatic conditions and extremes of temperature, or the leakage of liquid or
powder from any receptacle or container.
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- Indirect or Consequential Loss of any kind or description.
- The loss of individual items packed by the Owner in furniture, trunks,
cases, boxes, cartons or other receptacles unless such items have been listed
and their existence and value disclosed to the Company prior to commencement of
the transit.
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- Breakage, scratching, denting, chipping, staining and tearing.
- Mechanical, electrical or electronic derangement.
- Depreciation resultant upon repairs.
- Scratching, denting, bruising or marking of furniture constructed of plastic
coated composition or chipboard, or puncturing of synthetic upholstery and
marking of "dralon" or similar upholstery unless caused as the direct result of
an accident to the conveying vehicle.
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| 1. |
There is a
minimum charge for each and every claim |
| 2. |
In the event
of the goods covered by this Insurance being, at the time of loss, collectively
of greater 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 fraudulent 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 there under 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 deal with the salvage, and if the Insured or anyone acting on his
behalf shall obstruct or prevent the Insurers from so doing, all benefit under
this Insurance shall be forfeited. No property may be abandoned to the Insurance
Company. |
| 6. |
This insurance
is subject to the exclusive jurisdiction of the English Courts. |
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PLEASE NOTE: As with all insurance there is an ‘ insurance excess
liability’ amount whereby the customer is liable for an initial proportionate
amount of the claim being registered.
In this instance the ‘excess liability’
for insurance placed with Aviva is currently based upon a UK Sterling amount of
£50.00 (fifty pounds) or the equivalence in local currency.
Options and Prices -
How to claim |
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