Insurance Policy

Summary of Cover

Single Shipment Cargo Summary of Cover

Important – You should read this

This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Insurance Company Ltd Single Shipment Cargo Policy. For full details of the cover including complete terms, conditions and exclusions, please refer to the policy document (see Anyvan.com website for full details.)

What cover do I have?

Your cover is detailed within the policy schedule.

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

This policy covers physical loss or damage to your goods whilst in transit including the risks of loading and unloading. 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.

This policy includes duty payable on lost or damaged subject-matter insured excluding claims in respect of:

total loss of whole or part of the subject-matter insured prior to the duty becoming payable
general average or salvage charges arising from any casualty occurring prior to the duty becoming payable.

In ascertaining the amount of claim recoverable credit will be given for any rebate or refund of duty which may become allowable. We will also pay for damage to the subject-matter insured caused by fumigation provided always that such fumigation is not customary and is beyond your control.

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?

An excess applies to each and every claim. The excess amounts depend on the job and are as follows:

Removals, and jobs over 8 cubic metres in size: £250
Car: 0.75% of the value of the vehicle subject to a £250 minimum
Motorcycle: 0.75% of the value of the vehicle subject to a £250 minimum
Piano: £250
All other: £50 but £100 for any overseas moves

Does not cover Excluded Goods:

Jewellery, Watches, Precious Stones, Money, Coins, Bullion, Deeds, Bonds, Securities, Stamps, Livestock, Explosives, Flammables.
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.
Any other goods which you are not permitted to submit for removal/transportation under Anyvan’s Terms and Conditions

Does not cover damage caused by or consisting of:

corrosion, erosion, rust, wet or dry rot, shrinkage, evaporation, loss of weight, dampness, mould, dryness, marring, scratching, moths, vermin or insects
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:

depreciation, inherent vice, latent defect, gradual deterioration (including the deterioration of contents in refrigeration units), wear and tear, mildew or frost
breakdown of refrigeration
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

Claims

To notify us of a claim, please contact us as follows:

marinecargoclaims@uk.zurich.com
0800 232 1910
www.zurich.co.uk/business/claims/marine
Marine Cargo Claims, Zurich Insurance Company Ltd, 8th Floor, 70 Mark Lane, London, EC3R 7NQ

Our complaints procedure

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.

Many concerns can be resolved straight away. Therefore in the first instance, please get in touch with your usual contact at Zurich or your broker or insurance intermediary as they will generally be able to provide you with a prompt response to your satisfaction. Contact details will be provided on correspondence that we or our representatives have sent you.

If we can resolve your complaint to your satisfaction within the first few days of receipt, we will do so. Otherwise we will keep you updated with progress and will provide you with our decision as quickly as possible.

If you are not happy with the outcome of your complaint, you may be able to ask the Financial Ombudsman Service to review your case.

We will let you know if we believe the ombudsman service can consider your complaint when we provide you with our decision. The service they provide is free and impartial, but you would need to contact them within 6 months of the date of our decision.

More information about the ombudsman and the type of complaints they can review is available via their website www.financial-ombudsman.org.uk.

You can also contact them as follows:

Post: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Telephone: 08000 234567 (free on mobile phones and landlines)

Email: complaint.info@financial-ombudsman.org.uk

If the Financial Ombudsman Service is unable to consider your complaint, you may wish to obtain advice from the Citizens Advice Bureau or seek legal advice.

The Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if we are unable to meet our obligations to you. Further information is available on www.fscs.org.uk or by contacting the FSCS directly on 0800 678 1100.

Zurich Insurance Company Ltd

A public limited company incorporated in Switzerland. Registered in the Canton of Zurich, No. CHE-105.833.114, registered offices at Mythenquai 2, 8002 Zurich. UK Branch registered in England and Wales no BR000105. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

Zurich Insurance Company Ltd is authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Our firm reference number is 959113.

Communications may be monitored or recorded to improve our service and for security and regulatory purposes.