è INSURANCE SUMMARY

Please read this document carefully as it provides a summary of cover. It does not show all of the benefits, exclusions or limitations.

INSURER
Fortis Corporate Insurance NV
Fortis Corporate Insurance NV is authorised and regulated by the Financial Services Authority.

INSURANCE PRODUCT
This insurance product is designed to provide cover to meet the demands and needs of those who wish to insure loss of, or damage to their property whilst being transported.

COVER
All risks (subject to the exclusions set out below) of physical loss or damage to your property whilst in transit and whilst in store,
including whilst being packed and/or unpacked by the removal contractor, anywhere within the United Kingdom of Great Britain,
Northern Ireland, Isle of Man, Channel Islands and also the following countries where shipments go by road and ferry and are
accompanied - Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxemburg, Netherlands, Portugal,
Spain, Sweden, Estonia, Latvia, Lithuania, Poland, Czech Republic, Slovakia, Hungary, Slovenia, Malta, Southern Cyprus, Iceland,
Lichstenstein, Norway and Bulgaria.

EXCESS
The insurance cover which we arrange is subject to a £100.00 excess each and every claim or series of claims arising out of any one event. This means that you will be responsible for this sum in the event of a claim.

SUM INSURED
As declared in writing by you to us on the acceptance form but not exceeding £50,000 unless accepted by Insurers and confirmed in writing to us by you.

BASIS OF CLAIM SETTLEMENT
Cover is NOT “new for old” and your sum insured should be calculated to take into account the age, quality, condition and useful life of the property, as any claim will only be settled by Insurers on this basis.

UNDER INSURANCE
Noting the above, if you fail to declare the full value of your property on the acceptance form, in the event of a claim you will only be entitled to recover from the Insurers an amount in respect of the claim which is in the same proportion as the stated sum insured relates to the true value.
You should take great care to assess your sum insured accurately to avoid disappointment in the event of a claim. When the property is going into long term storage, you should review the accuracy of your sum insured at least once a year.

EXCLUSIONS
The insurance cover we offer does not cover:-
a) Cars, Boats or Caravans.
b) Jewellery, Watches, Precious Stones and/or Precious Metals, Money, Coins, Deeds, Bonds, Securities and Stamps
c) Loss and/or damage caused by wear, tear, gradual deterioration (including the deterioration of contents of Deep Freeze units), Moth, Insect and/or Vermin, Inherent Vice, latent defect or the leakage of any liquid from any receptacle or container.
d) Furs, Perfumery, Tobacco, Cigars, Cigarettes, Wines, Spirits, and the like, and Explosives,
e) Electrical and mechanical derangement unless shown to be as a result of physical external damage to the item concerned.
f) Loss of data records other than the cost of the blank data carrying material.
g) Losses and/or damage unless packed and unpacked by Removal Group Contractors.
h) Confiscation or seizure of goods by Customs or Government Agencies.
i) Any consequence of War, Invasion, Act of Foreign Enemies, Hostilities (whether war be declared or), Civil War, Rebellion, Revolution, Insurrection or military or usurped power except whilst the property is water-borne
j) Radioactive contamination – further details available if required.
k) Consequential loss of any kind.
l) Plants, animals, their cages or tanks including pets, birds or fish
m) Loss and/or damage directly arising from pressure waves caused by aircraft or other aerial devices travelling at sonic or
Supersonic speeds
n) Self assembly furniture, or any furniture that is required to be dismantled or altered in order to satisfy the removal
o) Accidental Damage on Owner Packed (Self packed) boxes or items.

PAIRS AND SETS
Where any insured item consists of items in a pair or set, this insurance will not 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 part or parts may have as part of a pair or set, nor more than a proportionate part of the insured value of the pair or set.
DEPRECIATION
Insurers liability is limited to the reasonable cost of repair and no claim will be considered in respect of any depreciation in value of any item as a result of such repair.
NON CONTRIBUTION
This insurance does not cover any loss or damage which, at the time of such loss or damage is, or would but for the existence of this insurance, be insured by any other existing policy or policies had this insurance not been effected.

TIME LIMITS FOR CLAIMS
It is important that any claim under this insurance is notified in writing to Sure Direct within the time limits set out below (whether unpacked or not) as the Insurers may not accept any claim which has not been notified within the time limits allowed, which are:-
Goods delivered by a Professional Removal Company - within 7 days from the date the goods/property are delivered or, in the case of non-delivery, within 7 days from the date when the property would have been delivered.
Goods removed from store by anyone other than the Professional Removal Company – at the time the goods are handed over

RIGHT TO CANCEL
You have the right to cancel this insurance without penalty at any time PRIOR TO WHEN THE TRANSIT OF YOUR PROPERTY BEGINS. Once the goods are in transit, your right to cancel ceases and you will be charged the full premium for the insurance.

Under the Private Customer Code, we have to give you certain information before you make your decision. If we have not given you this information when you buy your insurance (and you have not told us you do not want it) we will allow you a “cooling off” period of at least 14 days from the time you receive the information. If you do not want to continue the insurance, you may cancel your cover within this period and get all your money back (as long as you have not made any claims). Please note that irrespective of whether you do or do not purchase this insurance the liability of the removal contractor or shipping contractor for actual physical loss or damage to your property is limited by the licence agreement, which forms part of their contract with you.

DUTY OF DISCLOSURE
It is your responsibility to ensure that all material facts have been disclosed to Underwriters i.e. any facts which may affect Underwriters’ view of the risk. If you are unsure of whether a fact which has not been detailed in the insurance proposal you have completed needs to be disclosed, it is recommended that details are provided to Underwriters for consideration. Please also ensure that all the information provided by you in your proposal are correct, as these details will form the basis of the insurance contract between us. If your circumstances change between the date you purchase the policy and the date when you require the policy to commence, please tell us. Incorrect information or failure to disclose all material facts could invalidate all or part of the cover and result in a claim being declined. An example of a material fact would be that you have previously been refused insurance because you have a criminal conviction.

Sure Direct
46-48 Mere Green Road
Sutton Coldfield
West Midlands, B75 5BT