Marine Insurance Conditions & Exclusions:

1. 100% Co-Insurance Clause: The insured shall at all times maintain insurance on 100% value of his shipment to the extent of the actual cash value at destination (replacement cost less normal depreciation) or to the extent of the replacement cost at destination (replacement value at today's replacement cost), at the time of loss or damage and failure to do so, the Insured shall to the extent of such deficit, bear his or their proportion of any loss or damage including labor charges.
2. High Value Items Clause: High value items and/or items not normally shipped in a household goods shipment and valued at over $500 per item or set must be specifically declared and valued prior to issuance of the Certificate. Failure to comply with the requirements will limit recovery to a maximum of $500 per item or set. High Value Items are defined as, but not limited to the following: Antiques, objects of art, valuable carpets, furs, china, crystals, silver and gold items, firearms, collection of records, tapes, pictures, paintings and other like goods.
3. Pairs and Sets Clause: Any article which is part of a pair or set, the measures of loss or of damage to such article or articles shall be the reasonable and fair proportion of the total value of the pair or set giving consideration to the importance of said article or articles.
4. Percentage of Glass, etc.: Warranted that maximum percentage of Glass, China, Marble, Earthenware and the like does not exceed 15% of the total sum insured, or H/C. The foregoing does not apply if loss or damage is caused directly from stranding, sinking or collision of the Vessel or collision or overturn of transporting land conveyance. The foregoing also does not apply if such articles were professionally packed.
5. Repair and Replacement Clause: The Insurer shall be entitled at its sole option to replace, with like kind and quality, or repair any article damaged (whether wholly or in part), or to pay cash, in any event not exceeding the insured value thereof. Always provided that in the event of replacement or cash payment for actual or constructive total damage, the item is surrendered to and becomes the property of the insurer.
6. Depreciation: Underwriters liability is restricted to the reasonable cost of repair and no claim is to attach hereto for depreciation consequent thereon.
7. EXCLUSIONS: The following claims are excluded:
   1. Marring, scratching, chipping and denting of used electrical appliances and used furniture. This exclusion will be deleted if a "Statement of Condition" is reflected on the packing list or insured's inventory list signed by both the mover's agent and the insured.
   2. Loss or damage due to mechanical, electric or electronic derangement unless insured item is otherwise damaged, and/or mechanical defects otherwise covered by a manufacturer's warranty.
   3. Loss or damage due to mold, vermin, moth, wear and tear and gradual deterioration, termites, rodents, inherent vice, rust, seizure or confiscation by authorities, consequential loss or damage.
   4. Owner Packed Effects - breakage, scratching, denting, marring, chipping, staining, and tearing owner packed effects, including trunks, suitcases and the like. Also, excluding claims for missing items unless a valued list of contents is supplied by owner prior to commencement of transit.
   5. Loss of or damage to cash, notes, stamps, coins, deeds, tickets, traveler's checks, jewelry, watches, trinkets or similar valuable articles.
   6. Climatic Conditions Clause - Loss or damage by climatic conditions or extremes of temperature.

Automobiles, Motorcycles or Mobile Homes:

Coverage is to apply for the time the vehicle is given into the custody of the freight forwarder or steamship company, for up to 60 days whilst stored at warehouse of origin, and continues until the vehicle is delivered to the point of final destination, and whilst stored for up to 30 days only at the warehouse of destination, always provided that it is not operated on public or private roads under its own power for the whole period defined above UNLESS:

1. Operation under its own power occurs for distances not exceeding 10 statute miles during transit between conveyances.
2. Operation under own power occurs whilst on premises of loading or unloading port and subject to he following exclusions/conditions:
   1. Vehicle to be loaded on board vessel in strict compliance with all safety measures of carriage.
   2. Excluding all third party risks whilst being driven under own power and this insurance does not cover any damages, injury or liability to third party under any law requiring vehicles to be insured against third party risks or liability.
   3. Scratching, denting or marring of automobile or motorcycle or mobile home unless the freight forwarder and the owner of the automobile or mobile home both agree and sign a "Certificate of Condition" or a similar document, stating the condition of the automobile or motorcycle or mobile home at the same time entered the custody of the freight forwarder or steamship company, noting all defects, if any.
   4. Coverage in respect of non-factory installed accessories or removable items on an automobile or motorcycle or mobile home unless specified.
   5. Any coverage whilst on deck specifically excluded. Apart of the specific conditions mentioned above, coverage in respect to automobiles, motorcycles or mobile homes is subject to the general terms and conditions of the Policy, where they do not conflict with the specific conditions.
       

Documents Needed:

1. Evidence of insurance. Original certificate of insurance unless provided by Worldwide Relocations.
2. Delivery receipt from destination agent or inventory list signed by both agent and client with exceptions of damage or loss clearly marked against item number.
3. Full packing/inventory list.
4. Itemized valued statement reflecting all items in claim. Also any invoices of value of goods or cost to repair or replace.
5. A separate list showing all items that will be insured over $500.00. Please mark down numbers and attach to main inventory list. This must be in Worldwide Relocations' possession before vessel arrives at destination and in case of any claim.
6. If repairable, please provide a copy of repair estimates provided by a qualified third party.
7. If items are not repairable, please provide an invoice from a qualified third party that states the cargo cannot be repaired.
    

Important:

Surveys are not authorized if the claim is under $5000.00. Should the claim exceed $5000.00, a survey/settling agent will be immediately contacted to arrange for a survey.

Completed claim form and supporting documentation must be submitted to the agent on your insurance certificate within 90 days from the time of notification of the claim. Failure to provide the required documentation will result in your claim being delayed in processing. Extensive delays will result in coverage being void.