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Marine, insurance, shipping, insurance, personal, effects, personal effects, household, breakage, damage, cover,

Marine Insurance, service, all the insurance you need to ship your goods overseas, provided by the fsa regulated insurance broker

 

 

CONDITIONS OF COVER - RELATING TO GOODS INSURED THROUGH AVIVA (NORWICH UNION)

It is a condition that You will act with all reasonable despatch in all circumstances.

 

Basis of Valuation

It is vital that You insure for the full replacement value at destination. If You are in any doubt You should enquire with the UK Embassy or similar representative body of the Country of destination. Values in the UK frequently vary considerably from those in other Countries.

Cover  - Owner packed Goods only   

This insurance covers All Risks of loss of or damage to the insured goods in accordance with Institute Cargo Clauses (A), War and Strikes Clauses (copies available on request) subject also to the exclusions below but also excluding breakage, denting, chipping and scratching in respect of all property unless caused by fire or by the vessel or conveyance being stranded, sunk, burnt, in collision or overturned.

Principal Exclusions are:

1. Bank notes, shares, bonds, deeds, securities and negotiable instruments, jewellery, watches, drugs, medicines, food and drink of every description.

2. Consequential loss, damage or expense of whatsoever description.

3. Trunks, suitcases or similar items unless they are packed in an outer container.

4. Stamp collections, coin collections and similar exceeding £500 any one collection unless specified under “other goods” in the inventory.

5. Antiques unless specified under “other goods” in the inventory.

6. Ornaments exceeding £100 per item / pair / set unless specified under “other goods” in the inventory.

7. Any article being worn or used by You or any other person during the insured transit.

8. Loss or damage or expense caused by delay.

9. Loss or damage or expense caused by confiscation or detention by Customs or other Officials or Authorities.

10. Loss or damage arising from wear and tear, moth, vermin, normal atmospheric or climatic conditions or inherent vice.

11. Mechanical or electrical derangement.

Excess:

This policy is subject to an excess calculated at 1.5% of the grand total value subject to a maximum of £250 and a minimum of £50

The following clauses shall also apply and shall override anything to the contrary contained in the aforementioned Institute Clauses.

Antique Clause:  Our liability is restricted to the reasonable cost of repair and no claim is to attach hereto for depreciation consequent thereon.

Average Clause: This Policy is subject to the Condition of Average, that is to say, if the property covered by this insurance shall at the time of any loss be of greater value than the sum insured herein, the Assured shall only be entitled to receive hereunder such proportion of the said loss as the sum insured by this Policy bears to the total value of the said property.

Pair & Set Clause: In the event of loss and/or damage to any article or articles forming part of a pair or set Our liability shall be limited to the value of such parts which may be lost or damaged, without any reference to any special value which such article or articles may have as part of such pair or set; nor shall it exceed the proportionate part of the insured value of such pair or set.

Radioactive Contamination Chemical Biological, Bio-chemical, Electromagnetic Weapons Exclusion Clause :

1. In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or contributed to by or arising from

1.1  ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel,  

1.2  the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof,

1.3  any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter,

1.4  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,

1.5  any chemical, biological, bio-chemical or electromagnetic weapon.

Replacement Clause: In the event of loss of or damage to any part or parts of an insured machine or appliance caused by a peril covered by the Policy the sum recoverable shall not exceed the cost of the replacement or repair of such part or parts plus charges for forwarding and refitting, if incurred, but excluding duty unless the full duty is included in the amount insured, in which case loss, if any, sustained by payment of additional duty shall also be recoverable.  Provided always that in no case shall the liability of underwriters exceed the insured value of the complete machine or appliance.

Transit Clause: This insurance attaches from the time the effects leave Your premises and continues whilst in the normal course of transit to packer’s premises, whilst there for a period not exceeding 30 days (or held covered) and thereafter continues during the ordinary course of transit and terminates either on delivery

a) to Your premises or other final warehouse or place of storage at the destination named in the Policy

b) to any other warehouse or place of storage prior to or at the destination named in the Policy which You elect to use either

i) for storage other than in the ordinary course of transit

ii) for allocation or distribution

c) on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the overseas vessel at the final port f discharge whichever shall first occur.

Termination of Transit Clause (Terrorism) : This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.

1 Notwithstanding any provision to the contrary contained in this Policy or the Clauses referred to therein, it is agreed that in so far as this Policy covers loss of or damage to the subject-matter insured caused by any terrorist or any person acting from a political motive, such cover is conditional upon the subject-matter insured being in the ordinary course of transit and, in any event, SHALL TERMINATE:

either

1.1 as per the transit clauses contained within the Policy,

or

1.2  on delivery to the Consignee’s or other final warehouse or place of storage at

the destination named herein,

1.3 on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either for storage other than in the ordinary course of transit or for allocation or distribution,

or

1.4 in respect of marine transits, on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge,

1.5 in respect of air transits, on the expiry of 30 days after unloading the subject-matter insured from the aircraft at the final place of discharge,

whichever shall first occur.

2 If this Policy or the Clauses referred to therein specifically provide cover for inland or other further transits following on from storage, or termination as provided for above, cover will re-attach, and continues during the ordinary course of that transit terminating again in accordance with clause 1 .

3 This clause is subject to English law and practice.

Right of cancellation

If you are an individual/sole trader (including a partnership in England and Wales) buying a policy which provides cover for you in both a private and business capacity, you have a statutory right to cancel your policy during a period of 14 days either from the day of purchase of the contract or the day on which you receive your policy documentation, whichever is the later.

If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.

Alternatively, if you wish to do so and if the insurance cover has already commenced, you will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered. This will be calculated on a pro-rata basis for the period you have received cover.

To exercise your right to cancel, please contact your insurance adviser at the address shown on your policy schedule.

If you do not exercise your right to cancel your policy, it will continue in force and you will be required to pay the premium.

If you are not an individual / sole trader (including a partnership in England and Wales) as described above, there are no statutory cancellations rights under this policy.

CLAIMS PROCEDURE

Procedure in the event of loss or damage for which underwriters may be liable;

Liability of Carriers, Bailees or other Third parties.

It is Your duty and Your Agents and Your servants in all cases to take such measures as may be reasonable for the purpose of averting or minimising loss and to ensure that all rights against Carriers, Bailees or other third parties are properly preserved and exercised. In particular, You or Your Agents &/or servants are required:

1. To claim immediately on the Carriers, Port Authorities or other Bailees for any missing packages.

2. In no circumstances, except under written protest, to give clean receipts where goods are in doubtful condition.

3. When delivery is made by Container, to ensure that the Container and its seals are examined immediately by their responsible official. If the Container is delivered damaged or with its seals broken or missing other than as stated in the shipping documents, to clause the delivery receipt accordingly and retain all defective or irregular seals for subsequent identification.

4. To apply immediately for survey by Carriers’ or other Bailees Representatives if any loss or damage be apparent and claim on the Carriers or other Bailees for any actual loss or damage found at such survey.

5. To give notice in writing to the carriers or other Bailees within 3 days of delivery if the loss or damage was not apparent at the time of taking delivery.

Note: The Consignees or their Agents &/or servants are recommended to make themselves familiar with the regulations of the Port Authorities at the port of discharge.

Survey & Claim Settlement

In the event of loss or damage which may involve a claim under this insurance, immediate contact must be made with the surveyors or claims agents shown below;

Documentation of Claims

To enable claims to be dealt with promptly, the Assured or their agents and/or servants are advised to submit all available documents without delay, including where applicable:

1. Original policy or certificate of insurance

2. Original or copy shipping invoices, together with shipping specifications and/or weight notes.

3. Original Bill of lading and/or Contract of carriage.

4. Survey report or other documentary evidence to show the extent of the loss or damage.

5. Landing account and weight notes at final destination.

6. Correspondence exchanged with the Carriers and other parties regarding their liability for the loss or damage.

Stamp Duty. This Certificate may require to be stamped within a fixed time after its arrival in an overseas territory. Holders therefore are strongly advised to take all steps necessary to comply with any such requirement of the Local Revenue Authorities.

Claims Settling Agent:

Norwich Union, 2/10 Albert Square, Manchester, M60 8AD. Tel – 0161 931 8428. Fax – 0161 931 8011. E-mail – smiths9@norwich-union.co.uk

IMPORTANT

Please examine this policy, and if it does not meet with your requirements, kindly return it at once to the office of issue.

COMPLAINTS PROCEDURE

Our goal is to give excellent service to all Our customers but We recognise that things do go wrong occasionally.  We take all complaints We receive seriously and aim to resolve all Our customers' problems promptly.  To ensure that We provide the kind of service You expect We welcome Your feedback.  We will record and analyse Your comments to make sure We continually improve the service We offer.

What will happen if You complain?

 

• We will acknowledge Your complaint within 2 working days of receipt
• We aim to resolve complaints as quickly as possible

Most of Our customers' concerns can be resolved quickly but occasionally more detailed enquiries are needed.  If this is likely, We will contact You with an update within 10 working days of receipt and give You an expected date of response.

What to do should you be dissatisfied?

If You are dissatisfied with any aspect of the handling of Your insurance we would encourage you, in the first instance, to seek resolution by contacting  Your insurance advisor  or usual Norwich Union point of contact or telephone Your usual point of contact, whichever suits You, and ask Your contact to review the problem.

If Your complaint is regarding handling of a claim, We would encourage You to seek resolution by contacting:

Marine Claims Manager   Tel – 0161 931 8428. Norwich Union    Fax – 0161 931 8011, 2/10 Albert Square    E-mail – smiths9@norwich-union.co.uk. Manchester. M60 8AD     

If You remain unhappy with the decision You receive, You may write to the Chief Executive.

If You are dissatisfied with Our final decision (from the Chief Executive Officer), You can refer the matter to the Financial Ombudsman Service (FOS).

Note that the FOS will only consider Your complaint if You have given Us the opportunity to resolve it and You are a private policyholder, a business with a group annual turnover of less than £1 million, a charity with an annual income of less than £1 million or a trustee of a trust with a net asset value of less than £1 million.  If, however, We do not resolve Your complaint within 40 working days, the FOS will accept a direct referral.

 

Whilst We are bound by the decision of the FOS, You are not.  Following the complaints procedure does not affect Your statutory right to take legal action.

What should I do?

The steps You should take if dissatisfied

Step 1 Seek resolution by Your insurance adviser or usual Norwich Union point of contact

If You are disappointed with any aspect of the handling of Your insurance We would encourage You, in the first instance, to contact the manager concerned.  You can write or telephone, whichever suits You, and ask Your contact to review the problem

Step 2 Refer Your complaint to Our Chief Executive

If You remain unhappy with the decision You receive, please write with full details including Policy number and/or claim number, to:

The Chief Executive.  Norwich Union Insurance,  Surrey Street,  Norwich.  NR1 3NS

A review of the matter will then be carried out at a senior level and a final decision given.

Step 3 Refer Your complaint to the Financial Ombudsman Service

If after making a complaint to Us You are still unhappy and You feel the matter has not been resolved to Your satisfaction please contact the FOS at:

Financial Ombudsman Service.  South Quay Plaza, 183 Marsh Wall. London. E14 9SR

Law Applicable

In the absence of any written agreement to the contrary this contract and any Arbitration shall be subject to and governed by and construed in accordance with English Law and shall be subject to the exclusive jurisdiction of the English courts.

Data Protection Act – Information Uses

For the purposes of the Data Protection Act 1998, the Data Controller in relation to any personal data You supply is Aviva Insurance Limited.

Insurance Administration

Information You supply may be Used for the purposes of insurance administration by the insurer, its associated companies and agents, by reinsurers and Your intermediary. It may be disclosed to the regulatory bodies for the purposes of monitoring and/or enforcing the insurer's compliance with any regulatory rules/codes. Your information may also be used for offering renewal, research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. In assessing any claims made, the insurer or its agents may undertake checks against publicly available information (such as electoral roll, county court
judgements, bankruptcy or repossessions). Information may also be shared with other insurers either directly or via those acting for the insurer (such as loss adjusters or investigators).  In the case of personal data, with limited exceptions, and on payment of the appropriate fee, You have the right to access and if necessary rectify information held about You.

Credit searches and Accounting

In assessing Your application, the insurer may search files made available to it by credit reference agencies who may keep a record of that search. The insurer may also pass to credit reference agencies information it holds about You and Your payments record. Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors or to prevent fraud.  The insurer may ask credit reference agencies to provide a credit scoring computation. Credit scoring Uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained.  Where automatic credit scoring computations are Used by the insurer, acceptance or rejection of Your application will not depend only on the results of the credit scoring process.

Sensitive Data

In order to assess the terms of the insurance contract or administer claims which arise, the insurer may need to collect data which the Data Protection Act defines as sensitive (such as medical history or criminal convictions). By proceeding with this application You will signify Your consent to such information being processed by the insurer or its agents.

Marketing

Aviva Group and its agents may Use Your information to keep You informed by post, telephone, e-mail or other means about products and services which may be of interest to You. Your information may also be disclosed and used for these purposes after Your policy has lapsed. If You do not wish Your information to be used for these purposes please write to Norwich Union, FREEPOST, Mailing Exclusion Team, PO Box 6412, Derby, DE1 1SB.

Use of Language

Unless otherwise agreed, the contractual terms and conditions and other information relating to this contract will be in English.

Telephone Taping

For our joint protection and training purposes, telephone calls may be recorded and/or monitored.  

Customers with Disabilities

This policy and other associated documentation is also available in large print, audio and Braille. If you require any of these formats please contact Your usual insurance advisor.

Policy Availability

If, at any stage you would like to receive a new copy of your policy booklet, please contact either your regular Norwich Union point of contact or your insurance adviser, at the address shown on your policy schedule.

Financial Services Compensation Scheme

We are members of 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 the circumstances of the claim.  

You would be covered for all of the first £2,000 of any claim and 90% of the remainder without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS website www.fscs.org.uk or write to Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN.

sea • air • road • containers • excess baggage • prices • booking • faq’s • cartons • insurance • storage • customs • conditions

Australia • New Zealand • America • Canada • Caribbean • Far East • Med • Africa • India • Middle East • More  

Tel: 0114 285 2777 :  Fax 0114 285 2704   www.shipping-overseas.com

Depots : Birmingham : Bristol : Edinburgh :  Exeter : Glasgow : Leeds : London : Manchester : Newcastle : Sheffield

Registered in England 2992519