Household Goods & Personal Effects

Both professional and owner packed

The cost for this cover is just 3.00% of goods value, Minimum charge £ 40.00 or Euro 55.00.

Terms and Conditions of Insurance for Household Goods and/or Personal Effects

In respect of owner packed items and baggage any cover excludes breakage, scratching, denting, chipping, staining and tearing unless caused by fire or by the vessel or conveyance being stranded, sunk, burnt, in collision or overturned.

  • Pairs and Sets clause
    In the event of loss of or damage to any article forming part of a pair of set the Policy or Underwriters shall not be liable for more than the value of the particular part or parts which may be lost or damaged without reference to any special value which such part or parts may have as forming a pair of set but in any event not exceeding a proportionate part of the sum insured in respect of the pair or set.
  • Average Clause
    The insurance is subject to the condition of average, that is to say, if the property covered by this insurance shall at the time of loss be greater value (in the country of destination) than the sum insured hereby; the Assured shall only be entitled to recover hereunder such proportion of the said loss as the sum insured by the policy certificate bears to the total value (in the country of destination) of the said property.
  • Antique Clause
    In the event of damage to antique items and/or works of art insured liability is restricted to the reasonable cost of repairs and no claim is recoverable in respect of depreciation. In no case shall liability for such repairs exceed the sum insured in respect of the damaged article.
  • Replacement Clause – Second-Hand Machinery
    In the event of a claim for loss or damage to any part of the insured interest in consequence of a peril covered by the contract, the amount recoverable shall not exceed such proportion of the cost of replacement of the parts lost or damaged as the insured value of new machinery, plus additional charges for forwarding and refitting the new part or parts if incurred. Provided always that no case shall the liability of Underwriters exceed the insured value of the complete machine.
  • Wear and Tear Clause
    Excluding wear and tear, gradual deterioration, moths, insects, vermin, rust and mildrew.
  • Consequential Loss Clause
    Excluding consequential loss of any kind or description.
  • Climatic Conditions Clause
    Excluding damage caused by climatic or atmospheric conditions or extremes of temperatures.
  • Mechanical and Electrical Derangement
    Excluding Mechanical, electrical or electronic derangement unless caused by external, physical damage to the items covered.
  • Depreciation Clause
    Excluding depreciation resultant upon repairs.

If you require Marine Insurance for Household Goods and Personal Effects, please fill out our Request Marine Insurance form and return to the person handling your booking.

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