Single Shipment Cargo Insurance Summary
Important – Please Read This Carefully
This page provides an overview of the main features, benefits, and exclusions of the coverage offered by the British Removal Single Shipment Cargo Insurance Policy. For full terms, conditions, and exclusions, please refer to the complete policy document, which can be requested from info@britishremoval.com.
What Does This Insurance Cover?
Your specific coverage details are outlined in the policy schedule provided with your shipment confirmation.
Duration of Coverage
The insurance coverage begins when your goods are collected for transportation and ends once they are delivered to their designated final destination.
Coverage Overview and Limits
This policy protects your goods against physical loss or damage during transit, including loading and unloading activities. The maximum coverage limit is specified in the policy schedule.
The policy also covers damages caused by actions taken by Customs Authorities during inspections, as well as duty payable on lost or damaged items, except in cases where:
•The goods are entirely or partially lost before the duty becomes payable.
•General average or salvage charges arise before the duty becomes payable.
In cases where duty is recoverable, credit will be applied for any refunds or rebates. Additionally, we cover damages caused by fumigation, provided the fumigation was unforeseen, beyond your control, and not part of standard practices.
If only the packaging, such as labels or wrappers, is damaged, we will cover the cost of reconditioning or replacement.
What Is Not Covered?
The following exclusions and limitations apply to this policy:
Excess
An excess fee applies to each claim. The amounts are:
•Removals or items larger than 8 cubic meters: £300
•Cars: 1.5% of the vehicle’s value (minimum £300)
•Motorcycles: 1.5% of the vehicle’s value (minimum £300)
•Pianos: £300
•All other items: £75 (or £150 for international moves)
Excluded Goods
The policy does not cover:
•Jewellery, watches, precious stones, money, coins, bullion, deeds, bonds, securities, stamps, livestock, explosives, and flammables.
•Furs, perfumes, tobacco products, wines, spirits, and mobile phones, except when these are part of a household or office move (subject to a limit of £10,000 per customer, per job).
•Any other items prohibited under British Removal’s terms and conditions.
Excluded Damage
The policy does not cover losses caused by:
•Corrosion, rust, mould, dampness, or similar environmental factors.
•Gradual changes, including shrinkage, evaporation, or wear and tear.
•Changes in temperature, colour, texture, or finish.
•Delays or consequential financial loss unrelated to the primary incident.
Specific Items and Situations
•Missing items or packages unless a detailed and itemised list was provided before transit.
•Damage to goods packed by the owner or third parties unless directly caused by specified perils.
•Loss or damage to second-hand goods, used items, or machinery unless fully reconditioned.
Filing a Claim
If your goods are damaged or lost during transit, claims must be submitted within 7 days of the incident. To file a claim, please provide the following details:
1.Original insurance certificate.
2.Copies of shipping invoices.
3.Evidence of the contract of carriage (e.g., Bill of Lading).
4.Survey reports or other documentation showing the extent of damage or loss.
5.Landing account and weight notes from the final destination.
6.Correspondence with third-party carriers about their liability.
Complaints
If you wish to raise a complaint about this policy, please contact us at:
Email: info@britishremoval.com
Postal Address: British Removal, 27 Oldcastle Avenue, Guilsfield, SY21 9PA
Phone: 0330 043 8831
If you are not satisfied with our response, you may escalate your complaint to one of the following independent bodies:
United Kingdom: Financial Ombudsman Service (FOS)
•Address: Financial Ombudsman Service, Exchange Tower, London E14 9SR
•Phone: 0800 023 4567 or 0300 123 9123
•Email: complaint.info@financial-ombudsman.org.uk
•Website: www.financial-ombudsman.org.uk
Channel Islands: Channel Islands Financial Ombudsman
•Address: P.O. Box 114, Jersey, JE4 9QG
•Local Jersey Phone: 01534 748610
•Local Guernsey Phone: 01481 722218
•International Phone: +44 1534 748610
•Email: enquiries@ci-fo.org
•Website: www.ci-fo.org
Isle of Man: Financial Services Ombudsman Scheme
•Address: Government Lord Street, Douglas, Isle of Man, IM1 1LE
•Phone: 01624 686500
•Email: ombudsman@iomoft.gov.im
•Website: www.gov.im/oft/ombudsman
This summary is intended to provide an overview of the key features and limitations of the policy. For full details, please contact us at info@britishremoval.com.
