Our Insurer will include goods such as homewares, personal effects, antiques, antique furniture, fine art, even motor vehicles and in the event of loss of or damage to your goods during the time that removers, shippers, carriers or warehouse keeper have custody and control, insurers will indemnify us against such accidental physical loss or damage from the time your goods were packed to the time it reaches your home or destination.

We have chosen to provide a plain English wording, without the use of complicated insurance terms, often associated with transit insurance of commercial goods.

The maximum we/our insurers would pay is the Sum insured: As declared by you to us as your moving company.

Certain goods - as per our trading terms and conditions - are excluded. Also the amounts payable for any one item will not be greater than shown within the packing list. Certain causes of damage are also excluded, for instance delay or damage before your cover was in place. The policy excess is £50.00 each and every claim. Increased to £250 for motor vehicles.

We do not cover flat pack furniture and only disassemble furniture at your risk; such furniture isn't designed to be disassembled once erected. We also do not cover garden pots with soil/plants in them as the weight makes extremely vulnerable during carriage.

If your goods were packed by anyone other than a professional removal company we/our insurers will not pay for claims for:

a) accidental breakage, scratching, chipping, denting, staining, tearing and

b) any items missing unless you, prior to transit, supplied an itemised valued list of the content of each carton or package.

Please mark owner-packed items clearly on the packing list. Please note that owner packed goods are only covered to a maximum of 50% of replacement value.

The policy excludes undamaged items in pairs and sets, electrical or mechanical derangement (electrical items failing to work without any obvious cause or damage) and mould or mildew losses.

Please note the time limitation for submitting a claim as detailed below.

It is a condition of our insurance that the sum insured represents the full replacement value of your goods. If you fail to declare the full replacement value, in the event of a claim you will only be entitled to claim for the proportion of the loss as the declared value bears to the total replacement value of your property.

Insurers will at their option indemnify us by payment or by repair, reinstatement or replacement; Our policy does not provide 'new for old cover'.

For any claims related issues please refer to your claims correspondence for contact details. You have the right to contact Gauntlet Relocation Insurance Brokers directly.

1. You are required to notify us as your Remover of any loss/damage within 7 days of the agreed delivery date of your goods (30 days for European roll-on/roll-off moves). A description of each item and details of damage must be given. Notification to the Remover may be verbally or in writing (preferably in writing).

2. The claim form and estimates (if applicable) should be forwarded to us as quickly as possible.

3. Claims for parts of pairs or sets (e.g. dinner services) that are not lost or damaged will not be responded to unless you have paid extra for pairs and set cover.

4. In some cases, a Loss Adjuster will be appointed to inspect the goods and to handle the claim on behalf of us as your Remover. All correspondence etc. should be directed to the Loss Adjuster - details of their name, address and telephone number will be provided by Gauntlet Relocation Insurance Brokers.

Your policy is governed by the law that applies to where you reside within the United Kingdom, Channel Islands or Isle of Man. If there is any disagreement about which law applies, English law will apply in which case you agree to submit to the exclusive jurisdiction of the courts in England and Wales. Unless agreed otherwise, we will communicate with you in English.