This is a summary of the policy and does not contain the full

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This is a summary of the policy and does not contain the full Powered By Docstoc
					            STAVELEY HEAD LTD COURIER SCHEME
                   SUMMARY OF COVER


This is a summary of the policy and does not contain the full terms and conditions of
the cover, which can be found in the policy document. It is important that you read the
policy document carefully when you receive it.

Name of the insurer

The insurer of the policy is Aviva Insurance Limited trading as Norwich Union.

Type of insurance and cover

This policy is designed to meet the legal liability insurance needs of hauliers, warehouse
keepers, couriers and freight forwarders for loss or damage to customers goods, in
accordance with the conditions of contract, carriage or trading specified in the policy
schedule.

Key covers, features and exceptions

This summary provides an over view of the key covers, features and exceptions available
within the policy. If you have selected any of these covers they will be itemised in your
schedule and full cover details will be sent out in your policy booklet.




Aviva Insurance Limited Registered in Scotland No.2116 Registered office Pitheavlis, Perth, PH2 0NH. A   1
member of the Aviva Group. Authorised and regulated by the Financial Services Authority.
For full Policy terms and conditions please refer to the master Policy document held by
Staveley Head Ltd, Staveley Head House, 66 Chester Street, Flint, CH6 5DH




Covers, Features and benefits

Introduction

Your liability as a Carrier or Bailee for
physical loss or damage to goods for
which You are responsible within the
Geographical Limits in accordance with
Your business so far as the Conditions of
Contract Carriage or Trading attached as
specified in the policy schedule

Cover - (All Risks)

Indemnity for Your contractual liability for
loss or damage to Goods occurring within
the Geographical Limits during the Period
of Insurance arising from any fortuitous
Occurrence whilst the Goods are in transit
on any Vehicle or whilst temporarily stored
in the course of transit.

Provided always that in the event of an
Occurrence resulting in an indemnity
under the policy We will not pay more
than:

a) the respective limits of liability specified
in the policy or The Schedule;
or
b) the value of the lost or damaged Goods;
or
c) the cost of repair or replacement part or
parts of lost or damaged Goods;

whichever is the less.


CMR (if specified on the schedule)

Liability under the Convention on the
Contract for the International Carriage of
Goods by Road as enacted into English
law by the Carriage of Goods by Road Act
1965.




Aviva Insurance Limited Registered in Scotland No.2116 Registered office Pitheavlis, Perth, PH2 0NH. A   2
member of the Aviva Group. Authorised and regulated by the Financial Services Authority.
                                                              a) Loss or damage to food and drink, furs,
                                                              jewellery, watches, precious metals /
                                                              stones, deeds, bonds, bills of exchange,
                                                              promissory notes, money or securities for
                                                              money, stamps of all kinds, manuscripts
                                                              and other documents.
                                                              b) loss or damage caused by wear, tear,
Extensions to Cover – Only applicable                         gradual deterioration, mildew. moth,
if specified in the Schedule                                  vermin or any process of cleaning,
                                                              repairing or restoring
Temperature Controlled Goods                                  c) loss or damage to self assembly
Loss or damage to temperature controlled                      furniture unless dismantled
goods caused by any variation in                              d) mechanical and/or electrical
temperature.                                                  derangement unless caused by external
                                                              means
                                                              e) breakage of owner packed goods
Household Removals                                            unless caused by a major accident to the
Your Legal liability arising from any                         conveyance
fortuitous cause during loading or                            f) loss or damage occurring in premises
unloading of the carrying vehicle or in                       where goods are stored or warehoused in
transit subject to a valued inventory of the                  transit
Goods prepared prior to commencement                          g) If pair or set damaged, indemnity is
of transit and signed by the owner of the                     limited to proportionate value that article
goods.                                                        bears to total value and no additional
                                                              depreciation shall be paid
Trailer Extension
Indemnity for unspecified trailers being                      This is issued on the basis that You do
Your property or hired by You for which                       not:
you are responsible against All Risks of                      a) charge your customer a specific amount
loss or damage, not exceeding £25,000 in                      for insurance and/or
respect of any one trailer.                                   b) issue Your customer with documents
                                                              purporting to insure the Goods on an All
                                                              risks basis for benefit of Your customer.
Exceptions and Limitations
                                                              Trailer Extension
Temperature Controlled Goods
                                                              1a) loss or damage caused by wear, tear,
1a) You must instruct employees in the                        scratching, bruising and claims for cost of
operation of refrigeration equipment.                         repainting
b) Obtain written notification from;                          b) mechanical and/or electrical
i) Consignors of the temperature controlled                   breakdown and /or derangement
goods are to be carried at and                                c) damage to tyres, road punctures, cuts
ii) Consignees before unloading of the                        or bursts unless consequent upon an
temperature on delivery                                       accident

c) Refrigeration to be serviced in                            2 Theft of an unladen trailer when left
accordance with manufacturers                                 unattended from the last business transit
recommendation                                                of trailer until collected by the driver unless
                                                              trailer is
d) You keep the refrigeration log book up                     a) within securely locked private building
to date                                                       or garage of substantial construction or
                                                              continuously attended public garage or
e) You ensure refrigeration machinery is                      b) within supervised vehicle park with
operational prior to loading and set at the                   security attendant on duty at all times or
correct temperature                                           c) within unsupervised vehicle park and
                                                              trailer is fitted with anti-hitching device
                                                              approved by Us which is put into
Household Removals                                            operation, or
                                                              d) within a securely locked compound
Exceptions and Limitations                                    surrounded by secure walls and/or fences.


Aviva Insurance Limited Registered in Scotland No.2116 Registered office Pitheavlis, Perth, PH2 0NH. A     3
member of the Aviva Group. Authorised and regulated by the Financial Services Authority.
                                                              11) Loss or damage caused by pressure
                                                              waves

                                                              12)       a. War
                                                                        b. Terrorism


Exceptions and Limitations
                                                              Excess Clause
1) The first part of any claim (your excess)
                                                              You shall bear the first:
2) Loss or damage caused by depreciation                      a) £ 50.00 of each and every claim in
or deterioration or variation in temperature                  respect of Personal Effects of Your Drivers
unless caused by an accident to the                           b) £1,000.00 of each and every claim in
vehicle.                                                      respect of Comfort Breaks
                                                              c) £500.00 of each and every claim in
3) Mechanical or electrical derangement of                    respect of Temperature Controlled Goods
the goods unless caused by external                           d) £500.00 of each and every claim in
means                                                         respect of Household Removals
                                                              e) £500.00 of each and every claim in
4) Loss or damage caused by;
                                                              respect of Trailers
                                                              f) £250.00 of each and every claim, all
    a) defective or inadequate packing ,
       insulation or labeling                                 other claims.
    b) shortage in weight
    c) abandonment of the goods
    d) vermin, wear, tear or gradual                          Geographical Limits
       deterioration
    e) contamination                                          Zone 1

5) Loss or damage to living creatures,                        England, Scotland, Northern Ireland,
bullion, cash, bank notes stamps, pre paid                    Republic of Ireland, Wales, all offshore
phone cards, bonds, treasury notes,                           islands, (including the Channel Islands),
securities or explosives, fine arts, specie                   only.
and negotiable instruments.
                                                              Zone 2
6) Your liability under Articles 21, 24 or 26
of the CMR Convention.                                        Zone 1 (as defined above), Austria,
                                                              Andorra, Belgium, Denmark, France,
7) Loss or damage to household or                             Germany, Gibraltar, Liechtenstein,
industrial goods during removals.                             Luxembourg, Monaco, Netherlands,
                                                              Norway, Portugal, Spain, Sweden,
8) Loss arising from confiscation,                            Switzerland only.
expropriation, requisition, embargo,
nationalization, destruction or damage by                     Zone 3
any Government or Government Agency,
or inadequate or inaccurate                                   Zone 2 (as defined above) plus Bulgaria,
documentation.                                                Cyprus, Czech Republic, Estonia, Finland,
                                                              Greece, Hungary, Iceland, Italy, Latvia,
9) Late delivery or delay when a delivery                     Lithuania, Malta, Poland, Romania, San
time and/or date is contractually agreed by                   Marino, Slovakia, Turkey (not south or
you.                                                          east of Bosporus) only.

10) Loss, damage or expense directly or
indirectly caused by
         a) radioactive contamination
         b) any chemical or biological
weapons




Aviva Insurance Limited Registered in Scotland No.2116 Registered office Pitheavlis, Perth, PH2 0NH. A    4
member of the Aviva Group. Authorised and regulated by the Financial Services Authority.
                                                                   •    Audio / visual equipment
                                                                   •    Computer equipment, software
                                                                        and accessories
                                                                   •    Photographic equipment &
                                                                        accessories

                                                              This shall not attach when such goods are
Security Clause                                               carried by You
                                                                  a) unwittingly in sealed containers
No claim will be admitted for theft or
                                                              or
attempted theft when any vehicle is left
                                                                  b) unwittingly as part of a groupage
unattended.
                                                                      load
Security Clause in respect of Comfort
Breaks (this clause shall NOT apply in
respect of the carriage of Ready Made                         Additional Benefits
Garments, Beers, Wines &/or Spirits,
Audio/Visual Equipment and                                    1) Own Goods
Household Removals)
                                                              a) loss or damage to your own sheets and
We will pay for any loss arising from theft                   ropes – unlimited indemnity
or attempted theft when the Vehicle is
unattended during natural and/or meal                         b) Loss or damage to your property in
breaks taken at the same premises as the                      connection with your business
Vehicle but which do not exceed thirty                        Limit £10,000 any one occurrence
minutes in duration.
                                                              2) Debris removal
                                                              Reasonable costs and expenses incurred
The onus of proving that the exact
                                                              in debris removal and transshipment of
requirements of this Clause have been                         goods.
complied with shall rest with You.
                                                              3) Personal effects
Italy Clause                                                  Personal effects of your drivers, Limit £250
                                                              any one occurrence
No Claim will be admitted for theft or
attempted theft from any Vehicle whilst in                    4) Temporary storage
Italy.                                                        Goods temporarily stored in the course of
                                                              transit

Special Condition – Theft Attractive                          5) Carriage by Subcontractors
Goods                                                         Goods in the custody or control of your
                                                              sub-contractors
The maximum liability arising from theft or
attempted theft or theft attractive goods                     6) Substitution of Vehicles
when carried by You is limited to a                           Where vehicles individually specified in the
maximum amount of £50,000 or any lesser                       Schedule temporary substitution of
amount specified in The Schedule.                             specified vehicles for maintenance, repair
Theft attractive Goods defined as;                            or testing.
    • Wines &/or spirits including but not
         limited to champagne                                 7) Unwitting CMR
    • Cigars, cigarettes and tobacco
         excluding raw leaf tobacco
    • Non ferrous metals in raw scrap
         bar or ingot or similar form
    • Furs and ready made garments
    • Mobile phones &/or similar &/or
         associated goods
    • Precious stones &/or metals or
         articles made of or containing
         precious stones or metals

Aviva Insurance Limited Registered in Scotland No.2116 Registered office Pitheavlis, Perth, PH2 0NH. A    5
member of the Aviva Group. Authorised and regulated by the Financial Services Authority.
                                                              4) Temporary Storage
                                                              Storage undertaken for a fee or subject to
                                                              a contract of storage and distribution.

                                                              5) Carriage by sub-contractors
                                                              You must ensure that all sub-contractors
Exceptions and Limitations of                                 maintain insurance on the same basis as
Additional Benefits                                           provided for in your policy

1b) Own Goods                                                 6 Substitution of Vehicles
                                                              For permanent substitution of a specified
Your own motor vehicles, trailers or                          vehicle, We must be advised in writing 21
containers                                                    days of substitution.

3) Personal Effects                                           8) Trailer Curtains
                                                              Loss or damage to trailer curtains must be
Cash, credit cards, watches, jewellery,                       accompanied by loss or damage to the
audio / visual equipment and/or mobile                        goods.
phones.

Unwitting UK CMR liability up to a limit any                  Norwich Union Marine
one occurrence of £250,000.                                   2 – 10 Albert Square
                                                              Manchester
8) Trailer Curtains                                           M60 8AD
Loss of damage to trailer curtains up to a
limit of £200 any one occurrence and £500                     Telephone Number - 0161 931 8428
any one period of insurance.                                  Fax Number – 0161 839 3639

                                                              Our Service to You

Duration of Policy                                            We hope that you will be very happy with
                                                              the service we provide. However, if for any
The policy will remain in force for 12                        reason you are unhappy about this, we
months from the date of commencement,                         would like to hear from you.
or as otherwise shown on your Policy
Schedule.                                                     In the first instance, please contact your
                                                              insurance adviser or usual Norwich Union
Right of Cancellation                                         point of contact. Full details of our
                                                              complaints procedure will be set out in
We (or any agent we appoint and wh0 acts                      your policy document.
with our specific authority) may cancel this
policy by sending thirty days notice to your                  We are covered by the Financial
last known address. You will be entitled to                   Ombudsman Service. If you have
a refund of premium subject to a deduction                    complained to us and we have been
for the time for which you have been                          unable to resolve your complaint, you may
covered.                                                      be entitled to refer it to this independent
                                                              body. The Financial Ombudsmen Service
If you do not pay the premium (or any part                    is available to individuals, certain small
of the premium under the payment option                       businesses, charities and trusts.
you have chose) by the due date. We may
cancel this policy with effect from the end                   Financial Services Compensation
of the last period for which a payment has                    Scheme
been made.
                                                              We are covered by the Financial Services
How to Claim                                                  Compensation Scheme (“FSCS”). If we
                                                              were unable to meet our obligations you
If you need to make a claim please contact                    may be entitled to compensation from the
your insurance adviser or the Marine                          scheme, depending on the type of
Claims Department at;                                         insurance and circumstances of any claim.



Aviva Insurance Limited Registered in Scotland No.2116 Registered office Pitheavlis, Perth, PH2 0NH. A    6
member of the Aviva Group. Authorised and regulated by the Financial Services Authority.
Aviva Insurance Limited Registered in Scotland No.2116 Registered office Pitheavlis, Perth, PH2 0NH. A   7
member of the Aviva Group. Authorised and regulated by the Financial Services Authority.

				
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