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Removals & Storage Open Cover Insurance – Policy Document
The Removers’ and General Insurance Policy is an insurance policy for Mobile Self Storage Operators to cover customers’ property against loss or damage whilst being stored. This Summary of Cover is for your guidance and explains both the principles of the cover and the terms and conditions of the insurance. If you fulfil the obligations noted herein you will become the beneficiary of Mobile Self Storage Operator’s policy, subject to all terms and conditions noted below. In this document, “we”, “us” and “our” means the Insurer. “You” and “your” means the beneficiary of this cover. Your Mobile Self Storage Operator is not able to provide any advice regarding the suitability of this cover and cannot provide any additional information other than what is contained within this document.
What is covered?
During Transit: Loss, destruction or damage to your property caused by fire, collision and/or overturning of the conveying vehicle and theft of the entire load. Where the Operator professionally packs Your property, cover is extended to include breaking, scratching, denting, chipping, staining, tearing and theft as a result of inadequate packaging or reasonably attributable to physical damage from a transit related external cause, other than items and causes specifically excluded or restricted as stated within this Summary of Cover.
During Storage: To loss, destruction or damage to your property caused by fire, lightning, explosion, earthquake, storm, flood, burst pipes, theft accompanies by forcible or violent entry or exit, riot, strike, civil commotion or malicious damage, other than items and causes specifically excluded or restricted as stated within this Summary of Cover.
The settlement of any claim shall be by replacement, repair and/or compensation at Insurers’ option. On the event of total loss or destruction of any article covered under this insurance, the basis of settlement shall be the cost of replacing the article as new provided that the article is substantially the same as but not better than the original when new. This basis of settlement does not apply to household linen and clothing which will be considered on an indemnity basis taking into account the age, quality, degree of use and consequent market value of the items when calculating settlement.
In respect of documents, the basis of claims settlement shall be limited to the physical cost of replacing the documents and/or cost of reprinting, re-issue and/or reconstitution but excluding the value of the information contained thereon.
Are there any restrictions to cover?
Where am I covered?
What are my obligations?
What is not covered?
In respect of Motor Vehicles and Boats:
Pairs & Sets Clause: Where any items are part of a pair or set, Insurers will only pay the replacement-as-new value for the actual parts which are lost or damaged. No payment will be made for articles that are not lost or damaged.
When and how to I pay?
You must pay all charges due to your Remover in full before you can benefit from this cover. Please be aware that any insurance related charges are fees to cover the cost of administering this protection for you.
When does the cover start and end?
How do I cancel the cover?
You may cancel the contract by giving notice to the Remover prior to any packing of goods and/or commencement of the move. You may not cancel cover after packing and/or move has commenced unless goods are placed into storage for more than one month in which case notice of cancellation must be issued to the Remover prior to removal from storage.
What if I have a claim?
RCS, Swan House, Swan Centre,
KT22 8AH, United Kingdom
Tel: +44 (0) 1372 385970
Email: [email protected]
If any claim is found to be fraudulent in any respect, this cover shall become void and all claims shall be forfeited.
JamVans aims to provide a prompt, efficient and professional service in all our dealings with our customers. In the unlikely event that you have a complaint, in the first instance please contact:
JamVans, Unit 25 Boxted Business Park, Berkhamsted Road, Hemel Hempstead, Hertfordshire, HP1 2SG. 0208 166 1665, [email protected]
Both Insurers and their claims settling agent, RCS, make every effort to provide a good service to customers whom are entitled to claim from this cover. If on any occasion service falls below the standard you would expect, we would like the opportunity to offer additional support to put things right. If you have any cause for complaint you should, in the first instance contact RCS at the address above.
If no satisfaction is obtained, complants should be referred to:
The Complaints Officer, Lonham Group Ltd, The Maltings, Princes Street, Ipswich, Suffolk, IP1 1SB, United Kingdom
Tel: +44 (0) 1473 216 116,
Email: [email protected], or,
Chaucer Insurance Company DAC – Complaints, 38 & 39 Baggot Street Lower, Dublin 2, D02 T938, Ireland.
Tel: +353 1567 5580.
Email: [email protected]
CHAUCER INSURANCE COMPANY DAC is regulated by the Central Bank of Ireland
In the event you wish to pursue matters further you may be able to refer the matter to the Financial Ombudsman Service. Further details will be provided at the appropriate time.