MEMORANDUM OF HOUSEHOLD INSURANCE

 arranged by
 F+N

If you pay our charges, including the insurance premium shown on our account, then while your HOUSEHOLD GOODS and PERSONAL EFFECTS are in our care, for the purposes of removal and/or storage, they will be insured against ALL RISKS (including the risk of Fire when in Store) on an INDEMNITY BASIS, subject to the Conditions and Exceptions below, for the amount of their FULL VALUE (in like condition and similar age) as declared by you to us on the Acceptance of our Estimate. If you do not declare a value, we will only arrange cover on your goods for up to £5000. An additional premium may be required if you declare a higher value.
THIS INSURANCE is provided by declaration against a "REMOVERS & GENERAL" Block Insurance Contract (issued to us as Agents on behalf of our Clients) underwritten by Guardian Insurance Limited and other Member Companies of the Association of British Insurers.

SUMMARY OF CONDITIONS AND EXCEPTIONS

  1. This Insurance being granted upon an indemnity basis shall not apply to nor include:
    1. Loss of, or damage to:-
      1. Furs exceeding £100 in value, Jewellery, Watches, Trinkets, Precious Stones, Precious Metals, Money, Deeds, Bonds, Securities, Stamps of all kinds, Manuscripts or other Documents.
      2. iquor, Perfumery, Tobacco, Foodstuffs, Livestock, Plants, Perishable Goods of any kind and Explosives (other than encased Sporting Gun Ammunition carried in the course of a Household Removal.)
    2. Any loss, destruction, damage of consequential whether direct or indirect of War, Invasions, Act of Foreign Enemy, Hostilities (whether war be declared or not) Civil War, Rebellion, Insurrection or Military or Unsurped Power, Terrorism or arising from onising radiations or contamination by radioactivity from any nuclear fuel or from nuclear waste from the combustion of nuclear fuel.
    3. Any loss or damage caused by or arising from wear and tear, gradual deterioration, moth or vermin, damp, mildew, rust or atmospheric or climatic causes or the leakage of liquid from any receptacle or container.
    4. Indirect or Consequential Loss of any kind or description.
    5. Loss or damage to individual items packed by you in furniture, trunks, cases and/or drawers, unless the contents thereof have been previously listed and disclosed to the Remover. In the event of total loss of an owner packed receptacle where the contents is limited to the sum of £100 or its actual value whichever is the less.
    6. Breakage or damage to china, glassware and fragile articles unless such items are professionally packed and unpacked by the Remover or their Sub-Contractor.
    7. Electrical, electronic or mechanical derangement of any items of electrical, electronic, or mechanical equipment, machinery, apparatus or instrument(s) unless external physical damage has occurred or other than as a direct result of fire, derailment, collision or overturning of the conveying vehicle, vessel or aircraft.
    8. Structural damage to System or kit furniture constructed of veneered chipboard, or any reduction in the quality thereof arising as the result of dismantling or re-assembly of any such items of furniture.
    9. The first £25 of each and every claim.

  2. Where any insured item consists of articles in a pair or set, this insurance is not to pay more that either (a) The value of any particular part or parts which may be lost or damaged, without reference to any special value which such articles may have as part of such a pair or set, or (b) A proportionate part of the insured value of the pair or set.

  3. 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 action on his behalf shall obstruct or prevent the Insurers from doing so, all benefits under this insurance shall be forfeited. No property may be abandoned to the insurers.

  4. If a claim hereunder be in any respect fraudulent, or any fraudulent devices be used by you or anyone acting on your behalf to obtain any benefit under this insurance, all benefit thereunder shall be forfeited.

  5. This insurance is subject to the Condition of Average, that is to say if the property covered by the insurance shall at the time of the loss be of greater value than the Sum Insured hereby, the Insured shall only be entitled to recover hereunder such proportion of the said loss as the Sum Insured by this insurance bears to the Total Value of the said property.

  6. Any claim must be advised to the issuing Remover in writing within 7 days of your removal or delivery from store.

  7. This insurance is subject to the exclusive jurisdiction of the English Courts.

CUSTOMER CARE
 We make every effort to provide a good service to customers taking advantage of this Insurance. If on any occasion our services falls below the standard you would expect us to meet, the procedure below explains what you should do.
  1. 1. Contact the person dealing with the matter outlining the nature of the problem.
  2. If you remain dissatisfied, write to the Customer Care Director of Incorporated Insurance Services who will give the matter his personal attention.
  3. Should the matter still not be resolved to your satisfaction Incorporated Insurance Services will provide you with details of the person to contact at the relevant Insurance Company.

    If, after following the above procedure, your complaint has not been resolved to your satisfaction, you have the right to refer the matter to the Insurance Ombudsman at the following address:- Insurance Ombudsman Bureau, City Gate One, 135 Part Street, London SE1 9EA.

    MEM-25-4/95 Incorporated Insurance Services Ltd., 9a Church Rd. Great Bookham, Leatherhead, Surrey KT23 3PD