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.