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 by us to 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 offered by Insurers 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 House to Home representatives.
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

PAIRS AND SETS
Where any insured item consists of items in a pair or set, the insurance cover 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
The 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 the insurance, be insured by any other existing policy or policies had the insurance not been effected.

TIME LIMITS FOR CLAIMS
It is important that any claim under the insurance is notified in writing to SMARTMOVE 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 House to Home’s representative - 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 SMARTMOVE representative – at the time the goods are handed over

SMARTMOVE-UK.COM
Mere Green House
46 – 48 Mere Green Road
Sutton Coldfield
West Midlands
B75 5BT