INSURANCE POLICY
Important – You should read this!!!
This leaflet provides a summary of the key features, benefits and limitations of the cover provided by PRESTIGE HOUSE REMOVALS LTD.
Your policy is governed by the law applying to where you reside within the United Kingdom, Channel Islands or Isle of Man. If there is any disagreement about which law applies, English law will apply, in which case you agree to submit to the exclusive jurisdiction of the courts in England and Wales. Unless agreed otherwise, we will communicate to you in English.
What cover do I have?
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Good In Transit Insurance £20,000 per vehicle.
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Public Liability Insurance £5,000,000
What is Goods in Transit Insurance?
Goods in Transit insurance covers items from theft, loss or damage while they are being transported by vehicle from one place to another.
What is Public Liability Insurance?
Public liability insurance covers business if a customer or member of the public makes a claim against them relating to injury or property damage.
How long is it for?
Your cover will start when the goods are collected for transit and cease when the goods are delivered at their final destination.
Summary of cover and limits
Goods In Transit cover policy covers physical loss or damage to your goods up to £20,000 per vehicle during transit including the risks of loading and unloading.
If someone is injured, or their property is damaged, and we are "PRESTIGE HOUSE REMOVALS LTD" found legally liable for it, public liability provides the cover up to £5,000,000 for the business needs to resolve a claim.
The policy limit is detailed within the policy schedule and is the maximum settlement under this insurance policy.
This policy includes damage caused by the actions of Customs Authorities in the course of their inspection duties.
In the event of damage affecting only the labels, wrappers and capsules of the subject-matter insured we will pay the costs of reconditioning or replacement.
What is not insured?
Does not cover Excluded Goods:
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Jewellery, Watches, Precious Stones, Money, Coins, Bullion, Deeds, Bonds, Securities, Stamps, Livestock, Explosives, Flammables.
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Furs, Perfumery, Tobacco, Cigars, Cigarettes, Wines, Spirits and Mobile Phones. However, it is agreed that cover will be provided for these items where they are part of a household or office removal – subject to a limit of £10,000 any one customer, any one job.
Does not cover damage caused by or consisting of:
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corrosion, erosion, rust, wet or dry rot, shrinkage, evaporation, loss of weight, dampness, mould, dryness, marring, scratching, moths, vermin or insects
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change in temperature, colour, flavour, texture or finish
Does not cover any financial loss, damage, cost, expense, fine or penalty not directly associated with the incident that caused you to claim.
Does not cover damage or expense caused by delay Does not cover damage caused by or consisting of:
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depreciation, inherent vice, latent defect, gradual deterioration (including the deterioration of contents in refrigeration units), wear and tear, mildew or frost
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breakdown of refrigeration
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pollution or contamination
Does not cover claims for missing items, cartons or packages lacking an itemised valued list of contents supplier by the owner prior to commencement of transit
Does not cover breakage, scratching, denting, chipping, staining and tea ring for subject-matter insured packed by the owner or a third party unless directly caused by the specified perils.
Does not cover damage to second-hand or used goods or machinery loss caused by or consisting of rust, oxidation, scratching, denting, chipping or marring unless the goods have been fully reconditioned.
How to make a claim
In order to make a claim, please contact us on office@prestigehouseremovals.com.
It is essential that any claim or incident which may give rise to a claim is reported to PRESTIGE HOUSE REMOVALS LTD within 24h of the transit.
Late notification will result in your claim being rejected.
Subject to an insurance excess charge:
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Good In Transit Insurance £250.00 per claim.
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Public Liability Insurance £500,00 per claim
Our commitment to customer service
We are committed to providing a high level of customer service. If you do not feel we have delivered this, we would welcome the opportunity to put things right for you.
