BAR Model Terms and Conditions INSURANCE October 2019

These conditions explain the rights, obligations, and responsibilities of all parties to this Agreement. Where
we use the word ‘You’ or ‘Your’ it means the Customer: ‘We’, ‘Us’ or ‘Our’ means the Remover. These terms
and conditions can be varied or amended subject to prior written agreement. In Clauses 8, 9, 10, and 11
We limit or exclude Our liability for loss and damage. We recommend You arrange insurance to
cover Your goods. We are able to arrange insurance for Your benefit upon request. This
insurance will be separate from this contract and subject to the terms and conditions of the
policy.

1. Our Quotation

1.1 Our quotation, unless otherwise stated, does not include insurance,
cancellation/postponement waivers, customs duties, port charges including (but not limited
to) demurrage, inspections, or any fees, or taxes payable to government bodies or agencies.
1.2 Our Quotation is valid for twenty-eight days from the date of issue. Unless already included
in Our Quotation, reasonable additional charges will apply in the following circumstances:
1.2.1 If the work does not commence within twenty-eight days of acceptance;
1.2.2 Where We have given You a price including redelivery from store within Our
Quotation and the re-delivery from store has not taken place within six months
from the date of the issue of the quotation;
1.2.3 Our costs change because of currency fluctuations, changes in taxation, freight,
fuel, ferry or toll charges beyond our control.
1.2.4 The work is carried out on a Saturday, Sunday, or Public Holiday or outside
normal hours (08.00-18.00hrs) at your request.
1.2.5 We have to collect or deliver goods at Your request above the ground floor and
first upper floor.
1.2.6 If You or Your agents request collection or access to Your goods whilst they are
in store;
1.2.7 We supply any additional services, including moving or storing extra goods
(these conditions apply to such work). This may include (but is not limited to)
situations in which it becomes apparent when We collect Your goods that there
are additional items, goods or other load, of which We were not informed when
We provided Our quote and which was not, therefore, included in the quote.
1.2.8 The entrance or exit to the premises, stairs, lifts or doorways are inadequate
for free movement of the goods without mechanical equipment or structural
alteration, or the approach, road or drive is unsuitable for our vehicles and/or
containers to load and/or unload within 20 metres of the doorway.
1.2.9 We have to pay parking or other fees or charges (including fines where you
have not arranged agreed suspension of parking restrictions) in order to carry
out services on Your behalf. For the purpose of this Agreement parking fines
for illegal parking, caused by Our negligence, are not fees or charges and You
are not responsible for paying them.
1.2.10 There are delays or events outside Our reasonable control which increase or
extend the resources or time allowed to complete the agreed work.
1.2.11 We agree in writing to increase Our limit of liability set out in Clause 8.1 prior
to the work commencing;
1.2.12 We have to pay operational charges in order to carry out the services, which
may be brought in at any time by the law and amended at any time by the law.
Such operational charges may include (but are not limited to) Low Emission
Zone (LEZ) charges and congestion charges.
1.3 You agree to pay any reasonable charges arising from the above circumstances.

2 Work not included in the quotation

2.1 Unless agreed by us in writing, we will not:
2.1.1 Dismantle or assemble furniture of any kind
2.1.2 Disconnect, re-connect, dismantle or re-assemble appliances, fixtures, fittings
or equipment.
2.1.3 Take up or lay fitted floor coverings.
2.1.4 Move items to or from a loft, unless properly lit and floored and safe access is
provided.
2.1.5 Move or store any items excluded under Clause 4.
2.1.6 Dismantle or assemble garden furniture and equipment including, but not
limited to: sheds, greenhouses, garden shelters, outdoor play equipment, and
satellite dishes, or move paving slabs, planters and the like.
2.2 Our staff are not authorised or qualified to carry out such work. We recommend that a
properly qualified person is separately employed by You to carry out these services.

3 Your responsibility

3.1 It will be your responsibility to:
3.1.1 Arrange adequate insurance cover for the goods submitted for removal transit
and/or storage, against all insurable risks as Our liability is limited under clauses
8.1 and 8.2.
3.1.2 Obtain at Your own expense, all documents, permits, permissions, licences,
customs documents necessary for the removal to be completed.
3.1.3 Pay for any parking or meter suspension charges incurred by Us in carrying out
the work.
3.1.4 Be present or represented throughout the collection and delivery of the removal.
3.1.5 Where We provide You with inventories, receipts, waybills, job sheets or other
relevant documents You will ensure that they are signed by You or Your
authorised representative as confirmation of collection or delivery of the Goods.
3.1.6 Take all reasonable steps to ensure that nothing that should be removed is left
behind and nothing is taken away in error.
3.1.7 Arrange proper protection for goods left in unoccupied or unattended premises,
or where other people such as (but not limited to) tenants or workmen are, or
will be present.
3.1.8 Prepare adequately and stabilize all appliances or electronic equipment prior to
their removal.
3.1.9 Empty, properly defrost and clean refrigerators and deep freezers. We are not
responsible for the contents.
3.1.10 Ensure that all domestic and garden appliances, including but not limited to
washing machines, dish washers, hose pipes, petrol lawn mowers are clean and
dry and have no residual fluid left in them;
3.1.11 Provide Us with a correct and up to date contact address and telephone number
during removal transit and/or storage of goods.
3.1.12 Arrange appropriate transport, storage or disposal of goods listed in clause 4
3.2 Other than by reason of Our negligence or breach of contract, We will not be liable for any
loss or damage, costs or additional charges that may arise from failure to discharge these
responsibilities

4 Goods not to be submitted for removal or storage

4.1 Unless previously agreed in writing by a director or other authorised company representative,
the following items must not be submitted for removal or storage and will under no
circumstances be moved or stored by Us. The items listed under 4.1.1 below may present
risks to health and safety and of fire. Items listed under 4.1.2 to 4.1.7 below carry other risks
and You should make Your own arrangements for their transport and storage.
4.1.1 Potentially dangerous, damaging or explosive items, including gas bottles,
aerosols, paints, firearms, fuels, oils, and ammunition.
4.1.2 Jewellery, watches, trinkets, precious stones or metals, money, deeds,
securities, mobile telephones, portable media and computing devices, stamps,
coins, or goods or collections of any similar kind.
4.1.3 Goods likely to encourage vermin or other pests or to cause infestation or
contamination.
4.1.4 We shall notify you in writing as soon as practicable if any of the Goods, are in
Our opinion hazardous to health, dirty or unhygienic or likely to attract vermin
or pests and under what conditions we would be prepared to accept such Goods
or whether we refuse to accept them. Should we refuse to accept the goods
We will have no liability to You.
4.1.5 Perishable items and/or those requiring a controlled environment.
4.1.6 Any animals, birds, fish, reptiles or plants.
4.1.7 Goods which require special licence or government permission for export or
import.
4.1.8 Under no circumstances will Prohibited or stolen goods, drugs or pornographic
material be moved or stored by Us.
4.2 If You submit such goods without Our knowledge We will make them available for Your
collection and if You do not collect them within a reasonable time We may apply for a court
order to dispose of any such goods found in the consignment. You agree to pay Us any
charges, expenses, damages, legal costs or penalties reasonably incurred by Us in disposing
of the goods.

5 Ownership of the goods

5.1 By entering into this Agreement, you guarantee that:
5.1.1 The goods to be removed and/or stored are Your own property, or the goods
are Your property free of any legal charge; or
5.1.2 You have the full authority of the owner or anyone having a legal interest in
them to enter into this Agreement and You have made the owner fully aware
of these terms and conditions prior to entering into this Agreement and that
they have agreed to them.
5.1.3 If at any time following the implementation of this agreement to its termination
another person has or obtains an interest in the goods You will advise Us of
their name and address in writing immediately.
5.1.4 You will provide a full indemnity and pay Us in respect of any claim for damages
and/or costs brought against Us if either statement made in 5.1.1 or 5.1.2 is
untrue.
5.1.5 If You wish to transfer responsibility of this Agreement to a third party You will
advise Us in writing giving Us their full name and address. We will issue a new
agreement to them. Our Agreement with You will remain in force until We have
received a signed agreement from the third party.

6 Charges if You postpone or cancel the removal

6.1 If You postpone or cancel this Agreement, We reserve the right to charge you a reasonable
postponement or cancellation fee according to how much notice is given as set out below at
6.1.1 – 6.1.4. We charge these fees based on an assessment of losses we have incurred as
a result of You cancelling or postponing the removal. Examples of the types of loss We might
incur are: administration/back office costs, being unable to re-fill a removal slot with another
customer’s work, or engaging employees to work for your booked removal. “Working days”
refer to the normal working week of Monday to Friday and excludes weekends and Public
Holidays.
6.1.1 More than 10 working days before the removal was due to start: No charge.
6.1.2 Between 5 and 10 working days inclusive before the removal was due to start:
not more than 30% of the removal charge.
6.1.3 Less than 5 working days before the removal was due to start: not more than
60% of the removal charge.
6.1.4 Within 24 hours of the move taking place; not more than 75% of the removal
charge.
6.1.5 On the day the work starts or at any time after the work commences up to
100% of Our charges.
6.2 Cancellation/Postponement Waiver
If offered, and paid for in advance of the commencement of the services, we agree to waive
the charges in Clauses 6.1.1, 6.1.2 & 6.1.3. Our agreement to waive the charges is conditional
upon Us receiving written notice of Your intention to Cancel/Postpone no later than 17:00
hours on the preceding Working Day before Services commence. The
Cancellation/Postponement charge will entitle You to only one Cancellation/Postponement.

7 Payment

7.1 Unless otherwise agreed by Us in writing, payment is required in full by cleared funds at the
time of booking the removal or storage period. In default of such payment We reserve the
right to refuse to commence removal or storage until such payment is received. Such advance
payments are protected under the BAR Advanced Payment Guarantee scheme, as detailed in
the BAR Code of Practice. (T&C’s apply)
7.2 In respect of all sums which are overdue to us, We will charge interest on a daily basis
calculated at 4% per annum above the prevailing base rate for the time being of the Bank of
England.

8 Our liability for loss or damage

8.1 We do not know the value of Your goods therefore We limit Our liability to a fixed limit per
item. The amount of liability We accept under this agreement is reflected in Our charges for
the work. If You wish Us to increase Our limit of liability per item You agree to pay a higher
price for the work as stated in Condition 1.2.11 (Our Quotation).
8.2 Unless otherwise agreed in writing if we are negligent or in breach of contract We will pay You
up to £40 for each item which is lost or damaged as a direct result of any negligence or breach
of contract on Our part.
8.3 For goods destined to, or received from a place outside the United Kingdom:
8.3.1 We will only accept liability for loss or damage
(a) arising from Our negligence or breach of contract whilst the goods are in
Our physical possession, or
(b) whilst the goods are in the possession of others if the loss or damage is
established to have been caused by Our failure to pack the goods to a
reasonable standard where We have been contracted to pack the goods that
are subject to the claim.
8.3.2 Where We engage an international transport operator, shipping company or
airline to convey Your goods to the place, port or airport of destination, We do
so on Your behalf and subject to the terms and conditions set out by that carrier.
8.3.3 If the carrying vessel/conveyance, should for reasons beyond the carrier’s
control, fail to deliver the goods, or route them to a place other than the original
destination, You may have limited recourse against the carrier depending upon
the carriers particular terms and conditions of carriage, and You may be liable
for General Average contribution (e.g. the costs incurred to preserve the
vessel/conveyance and cargo) and salvage charges, or the additional cost of
onward transmission to the place, port or airport of destination. These are
insurable risks and it is Your responsibility to arrange adequate marine/transit
insurance cover.
8.3.4 We do not accept liability for goods confiscated, seized, removed or damaged
by Customs Authorities or other Government Agencies unless such confiscation,
seizure, removal or damage arose directly as a result of Our negligence or
breach of contract.
8.4 For the purposes of this Agreement an item is defined as:
8.4.1 The entire contents of a box, parcel, package, carton, or similar container; and
8.4.2 Any other object or thing that is moved, handled or stored by us.

9 Damage to premises or property other than goods

9.1 Because third party contractors or others are frequently present at the time of collection or
delivery it is not always possible to establish who was responsible for loss or damage. therefore
Our liability is limited as follows:
9.1.1 If we cause loss or damage to premises or property other than goods for
removal as a result of our negligence or breach of contract, our liability shall be
limited to making good the damaged area only.
9.1.2 If We cause damage as a result of moving goods under Your express instruction,
against our advice, and where moving the goods in the manner instructed is
likely to cause damage, We shall not be liable.
9.1.3 If We are responsible for causing damage to Your premises or to property other
than goods submitted for removal and/or storage, You must note this on the
worksheet or delivery receipt as soon as practically possible after the damage
occurs or is discovered or in any event within a reasonable time. This is
fundamental to the Agreement.

10 Exclusions of liability

10.1 We shall not be liable for loss or damage caused by fire or explosion, unless we have been
negligent or in breach of contract. It is Your responsibility to insure Your Goods. If You ask Us
in writing to arrange insurance cover for You We will, provided You declare the full replacement
value of Your Goods and pay the premium in advance.
10.2 We shall not be liable for delays or failures to provide the services under this Agreement as a
result of war, invasion, acts of foreign enemies, hostilities (whether war is declared or not),
civil war, terrorism, rebellion and/or military coup, Act of God, adverse weather, third party
industrial action, re-scheduled sailing, departure or arrival times, port congestion, or other
such events outside our reasonable control.
10.3 Other than as a result of Our negligence or breach of contract We will not be liable for any
loss, damage or failure to produce the goods as a result of:
10.3.1 Normal wear and tear, natural or gradual deterioration, leakage or evaporation
or from perishable or unstable goods. This includes goods left within furniture
or appliances.
10.3.2 Moth or vermin or similar infestation.
10.3.3 Cleaning, repairing or restoring unless We arranged for the work to be carried
out.
10.3.4 Changes caused by atmospheric conditions such as dampness, mould, mildew,
rusting, tarnishing, corrosion, or gradual deterioration unless directly linked to
ingress of water.
10.3.5 For any goods in wardrobes, drawers or appliances, or in a package, bundle,
carton, case or other container not both packed and unpacked by Us.
10.3.6 For electrical or mechanical derangement to any appliance, instrument, clock,
computer or other equipment unless there is evidence of related external
damage.
10.3.7 For any goods which have a pre-existing defect or are inherently defective.
10.3.8 For perishable items and/or those requiring a controlled environment.
10.3.9 Loss of structural integrity of furniture constructed of particle board resulting
from crumbling of the board.
10.3.10 For items referred to in Clause 4.
10.4 No employee of Ours shall be separately liable to you for any loss, damage, mis-delivery,
errors or omissions under the terms of this Agreement.
10.5 Where goods are handed out from store Our liability will cease upon handing over the goods
to You or Your authorised representative (see Clause 11.1 below).
10.6 We will not be liable for any loss or damage caused by Us or Our employees or agents in
circumstances where:
(a) there is no breach of this Agreement by Us or by any of Our employees or agents
(b) such loss or damage is not a reasonably foreseeable result of any such breach.

11 Time limit for claims

11.1 If You or Your authorised representative collect the goods, We must be notified in writing of
any loss or damage at the time the goods are handed to You or Your agent otherwise we will
not be liable.
11.2 We will not be liable for any loss of or damage to the goods unless a claim is notified to us, or
to our agent or the company carrying out the collection or delivery of the goods on our behalf.
This must be in writing as soon as such loss or damage is discovered (or with reasonable
diligence ought to have been discovered) and in any event in detail within seven (7) days of
delivery of the goods, in order to properly investigate the claim. We may agree to extend this
time limit upon receipt of Your written request provided such request is received within seven
(7) days of delivery. Consent to such a request will not be unreasonably withheld.

12 Delays in transit

12.1 Other than by reason of Our negligence or breach of contract, We will not be liable for delays
in transit.
12.2 If through no fault of ours We are unable to deliver Your goods, We will take them into store.
The Agreement will then be fulfilled and any additional service(s), including storage and
delivery, will be at Your expense.
12.3 Any transit times quoted by Us are estimated and based upon information known to Us at the
time. Transit times may vary due to a number of factors outside Our control including but not
limited to changes in sailing or departure dates made by the freight/shipping company,
changes in the routes used by the freight/shipping company and port congestion. We will
advise You of any material changes to the transit times as soon as We become aware. We
will not be liable for any loss or damage incurred by You as a result of delays in transit time
unless directly attributable to Our negligence or breach of contract.

13 Our Right to Hold the Goods (lien)

“Lien” is the legal right of the remover to hold goods until the customer has paid all outstanding
charges.
We shall have a right to withhold and ultimately dispose of some or all of the goods if You fail
to pay the charges and any other payments due under this or any other Agreement. (See also
Clause 22). These include any charges that We have paid out on Your behalf. While We hold
the goods You will be liable to pay all storage charges and other costs (including legal costs)
reasonably incurred by Us in recovering Our charges and applying Our right of lien. These
terms and conditions shall continue to apply.

14 Disputes

If there is a dispute arising from this Agreement, which cannot be resolved, either party may
refer it to the low cost independent Alternative Dispute Resolution (ADR) scheme provided by
the British Association of Removers (BAR). Under this scheme, the case will be determined by
an accredited independent ADR organisation. Recourse to the independent ADR scheme is
subject to certain limits, current details of which are available upon request from BAR, Tel:
01923 699486, Fax: 01923 699481, Email: consumer.affairs@bar.co.uk. ADR does not
prejudice Your right to commence court proceedings.

15 Our right to sub-contract the work

15.1 We reserve the right to sub-contract some or all of the work.
15.2 If We sub-contract, then these conditions will still apply.

16 Route and method

16.1 We have the right to choose the method and route by which to carry out the work and the
location in respect of storage.
16.2 Unless it has been specifically agreed otherwise in writing in our Quotation, other
space/volume/capacity on Our vehicles and/or the container may be utilised for consignments
of other customers.

17 Advice and information for International Removals

We will use Our reasonable endeavours to provide You with up to date information to assist
You with the import/export of Your goods. Information on such matters as national or regional
laws and regulations which are subject to change and interpretation at any time is provided in
good faith and is based upon existing known circumstances. It is Your responsibility to seek
appropriate advice to verify the accuracy of any information provided.

18 Applicable law

Any dispute between us will be governed by the non-exclusive law and jurisdiction of the
English or Scottish Courts. If you currently reside or are moving to a place outside the
jurisdiction of the Courts of the United Kingdom, alternative laws or jurisdiction of local courts
may apply subject to our written agreement prior to the work or services commencing.

19 Your forwarding address

19.1 If You instruct Us to store Your goods, You must provide a correct and up to date address and
telephone number and notify Us if it changes. All correspondence and notices will be
considered to have been received by You seven days after sending it by first class post to Your
last address recorded by Us
19.2 If You do not provide an address or respond to Our correspondence or notices, We may publish
such notices in a public newspaper in the area to or from which the goods were removed.
Such notice will be considered to have been received by You seven days after the publication
date of the newspaper. Note: If We are unable to contact you, We will charge you any costs
incurred in establishing Your whereabouts.

20 List of goods (inventory) or receipt

Where we produce a list of Your goods (inventory) or a receipt and send it to You, it will be
accepted as accurate unless You write to us within 10 days of the date of our sending, or
within a reasonable period agreed between us, notifying Us of any errors or omissions.

21 Revision of storage charges

We review our storage charges periodically. You will be given 30 days’ notice in writing of any
increases.

22 Our right to Sell or dispose of the Goods

If payment of Our charges relating to Your goods is in arrears, and on giving You three months’
notice, We are entitled to require You to remove Your goods from Our custody and pay all
money due to Us. If You fail to pay all outstanding amounts due to Us, We may sell or dispose
of some or all of the goods without further notice. The cost of the sale or disposal will be
charged to You. The net proceeds will be credited to Your account and any eventual surplus
will be paid to You without interest. If the full amount due is not received, We may seek to
recover the balance from You.

23 Termination

If payments are up to date, We will not end this contract except by giving You three months’
notice in writing. If You wish to terminate Your storage contract, You must give us at least 10
working days’ notice (working days are defined in Clause 6 above). If We can release the
goods earlier, We will do so, provided that your account is paid up to date. Charges for storage
are payable to the date when the notice should have taken effect.
© Insurance Terms – Copyright of The British Association of Removers Limited 2019; these contract
conditions for use only by firms having permissio

SUMMARY OF INSURANCE COVER

If you purchase the insurance arranged by us on your behalf for loss of or damage to your effects the insurance conditions set out below will apply. Please note that irrespective of whether or not you purchase this insurance our liability for loss of or damage to your effects is limited by our trading conditions which form part of our contract with you.
SUBJECT TO YOU GIVING US INSTRUCTIONS TO INSURE, we can arrange on your behalf insurance Underwritten 100% by certain Underwriters at Lloyd’s to cover physical loss or damage to your property within our “Open Cover” insurance arrangements as summarised below. You may inspect the policy
at our office on request.

TOTAL SUM INSURED

As declared to us on the acceptance form. Unless confirmed in writing
by us prior to the move the sum insured shall not exceed:
Household Removals & Storage: £25,000 any one customer
Office/Commercial Removals: £100,000 any one vehicle load
The sum insured can be increased on payment of an additional
premium up to a maximum of £250,000 any one customer or vehicle load.

INSURED PERILS

All Risks of physical loss or damage in transit or store anywhere in the
United Kingdom, Northern Ireland, The Channel Islands, The Isle of Man, member States of the European Union, Scandinavia & Switzerland. Owner Packed Goods – As above but excluding Breakage, scratching, denting, chipping, staining and tearing of owner packed effects unless directly caused by fire, stranding, sinking or collision of the vessel or collision or overturn of transporting land conveyance.
Also excluding claims for missing items of owner packed cartons or packages unless an itemised valued list of contents of each carton or package is supplied by the owner prior to commencement of transit.
For Self Storage cover is restricted to fire, lightning, explosion, earthquake, storm, flood, escape of water or other liquid substance, moth, insect or vermin from an external cause, theft accompanied by forcible and violent entry or exit, riot, strike, civil commotion, malicious damage, impact by vehicles.

UNDER-INSURANCE

It is a condition of the insurance that the sum insured represents the full
total value of your effects. If you fail to declare the full replacement
value of your effects, in the event of a claim you will only be entitled to
recover from Insurers the proportion of the loss as the declared value
bears to the total replacement value of your property.

BASIS OF CLAIMS SETTLEMENT

The settlement of any claim shall be by replacement, repair and/or
compensation, taking into consideration at underwriters option the age,
quality, degree of use and consequent market value. This policy is not
“new for old”.

Documents

Where any claim includes loss of or damage to documents the basis of
settlement shall relate to the reasonable costs of reprinting and/or
reasonable costs of reissue and/or reconstitution including, where
applicable, fresh research or exploration to obtain essential information.

POLICY EXCESS

Insurers will not pay the first £50 of each customer’s claim.

PAIRS & SETS CLAUSE

Where any items are part of a pair or set Insurers shall only pay for the
actual items which are lost or damaged. No payment will be made by
Insurers for any items which are part of a pair or of a set and which are
not lost or damaged.

MISREPRESENTATION

It is your responsibility to take reasonable care not to make misrepresentations
to insurers. This requirement includes (but is not limited to) a requirement to
disclose to us if you are unable to comply with any term of this document and/or
any term in our trading conditions. This insurance may be voidable in the event
of your deliberate or reckless or careless misrepresentation that, without the
misrepresentation, the insurer would not have entered into the contract at all or
would have done so only with different terms.

TIME LIMIT FOR CLAIMS NOTIFICATION

All claims must be notified to the remover whether unpacked or not within 7
days of delivery of the property or in the case of non-delivery 7 days from when
the property would normally be delivered unless a time extension is requested
by you and agreed by us in writing.
If your goods become lost or damaged and you wish to make an insurance
claim please notify us in writing.

CUSTOMER SERVICE

We are dedicated to providing a high quality service and we want to ensure that
we maintain this at all times. If you feel you have not been offered a first class
service please write and tell us and we will do our best to resolve the problem.
You may alternatively, if preferred, contact the Insurance Administrator: Reason
Global Insurance. 4th Floor, Lyndean House, 43-46 Queens Road, Brighton,
BN1 3XB
If you are unable to resolve the situation and wish to make a complaint you can
refer it to the Complaints Department at Lloyd’s who may, in certain
circumstances be able to review the matter. Their address is:
Complaints Department
Lloyd’s
One Lime Street
London
EC3M 7HA
Tel No: 020 7327 5693
Fax No: 020 7327 5225
E-mail: complaints@Lloyds.com
In the event that the Complaints Department is unable to resolve your
complaint it may in certain circumstances be possible for you to refer it to the
Financial Ombudsman Service at:
Exchange Tower
Harbour Exchange Square
London
E14 9SR Tel No: 0845 080 1800
Email: complaint.info@financial-ombudsman.org.uk
Financial Services Compensation Scheme
Lloyd’s is covered by the Financial Services Compensation Scheme. You may
be entitled to compensation from the Scheme if we cannot meet our obligations
to you under this contract. If you were entitled to compensation under the
Scheme, the level and extent of the compensation would depend on the nature
of this contract. Further Information about the Scheme is available from the
Financial Services Compensation Scheme (7th floor Lloyd’s Chambers,
Portsoken Street, London E1 8BN) and on their website: www.fscs.org.uK

Insurance Policy Exclusions

No cover is provided for the following
(1)Jewellery, Watches, Precious Stones, Money, Coins, Bullion, Deeds, Bonds, Securities and Stamps of all kinds except
whilst in store in a locked safe or strong room.
(2) Furs, perfumery, tobacco, cigars, cigarettes, wines, mobile phones, portable media and spirits.
(3) Livestock, Explosives, Flammables.
(4) Any other goods which you are not permitted to submit for removal and/or storage under the terms of our trading conditions
(5) Loss or damage caused by wear, tear, gradual deterioration (including the deterioration of contents of deep freeze units), inherent
vice or latent defect.
(6) Loss or damage caused by moth, insect or vermin unless from an external cause.
(7) Loss or damage caused by leakage of liquid from a receptacle or container unless packed by the Remover.
(8) Mechanical or electrical damage or derangement of any mechanical or electrical goods unless reasonably attributable to physical
damage to such items from an external cause, or following fire, flood, collision or overturning of road vehicles or other conveyances.
(9) Loss of data records other than cost of blank data carrying materials.
(10) Any consequence of War, Invasion, Act of Foreign Enemy Hostilities (whether War be declared or not), Civil War, Rebellion,
Revolution, Insurrection or Military or Usurped Power or confiscation or nationalisation or requisition or destruction of or damage to
property by or under the order of any government or public or local authority. This exclusion shall not apply to overseas removals
whilst the Customers’ property is waterborne.
(11) Loss or damage in respect of goods in storage caused by or resulting from Acts of Terrorism or any person(s) acting from a
political motive. This exclusion shall not apply to storage in the ordinary course of transit as more fully set out in the
Termination of Transit Clause (Terrorism).
(12) Ensuing or indirect losses resulting from or as a consequence of claims made for loss or damage arising from an Insured Peril
(13) Loss or damage or liability or expense directly or indirectly caused by or contributed to, by, or arising from:- Ionising radiations
from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.
The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or nuclear
assembly or nuclear component thereof.
Any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this subclause 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.
(14) Loss or damage or expense directly, or indirectly, caused by or contributed to, by or arising from:-
Any chemical, biological or electromagnetic weapon.
The use or operation, as a means for inflicting harm, of any computer, computer system, computer software program, computer virus
or process or other electronic system.
(15) Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic
or supersonic speeds.
(16) If at the time of loss there is other insurance in force this insurance shall only respond to the extent that losses are not
recoverable under the other insurance

October 2019