Policy Exclusions


(a) loss or damage arising out of the acts of any government, customs authority or official confiscation.

(b) consequential losses due to delay or any depreciation in value are not covered.

(c) items missing from owner packed (PBO) or condition unknown (CU) cartons.  Claims will not be honored for the loss of anyPBO or CU carton unless the shortage has been noted at the time of delivery and reported to I.T.I. within 45 days of delivery.

(d)  loss due to damage or breakage of items in owner packed (PBO) or condition unknown (CU) cartons, crates, or containers.

(e) loss or damage to jewelry, watches, gems, stones, cash, currency or bank notes, deeds, travelers cheques, coin or stamp collections, alcoholic beverages, negotiable items, contraband,prescription drugs or other like items.

(f) loss or damage caused by wear and tear, changes in climatic conditions, infestations or inherent vice.

(g) any internal electrical or mechanical component of any device unless exceptions are noted at the time of delivery for external damage to such property.  Loss of data, manufacturer defects,recalibration, wear and tear are also excluded.  Electrical or mechanical malfunctioning coverage, excluding vehicles, is available for a nominal additional premium to cover internal transit related damages.  

(h) loss or damage to any item unless the premium for the insurance has been received

(i) loss or damage to automobiles while being driven under their own motive power except while on the premises of the port.

(j) marring, denting, chipping or scratching on automobiles, motorcycles or other motor vehicles over three years old.

(k) non-factory installed accessories or removable items on automobiles. Goods of a personal nature shipped inside an automobile are also excluded.

(l) wrinkled or soiled clothing, linens, drapes and rugs.

(m) marring, scratching, denting, chipping or rubbing on items which have been received by the carrier as condition unknown.

(n) non delivery of a shipping package if the delivery receipt shows that all packages were delivered to the final destination.

(o) items not listed on the inventory prepared at origin. Items not shipped are not insured.

(p) appraisal fees, shipping charges, damages caused during assembly or dis-assembly, items having no commercial value, items of sentimental value or property damage.

(q) an entire set if any single item(s) is lost or damaged. Payment will only be made for the proportionate value of the item(s) lost or damaged. Pairs and sets coverage is available for a nominal additional premium to cover transit related damages.

(r) loss caused by nuclear reaction, radiation or radioactive contamination, whether controlled or uncontrolled, however caused.

(s) physical loss or damage to the property carried out for political, terroristic or ideological purpose when property is in storage.

(t) loss and/or damage on door to port shipments unless exceptions are noted when the shipment is received at the port of discharge.

(u) loss or damage to plasma televisions.

(v) structural damage to system or kit furniture constructed of veneered chipboard or similar, or any reduction in the quality thereof arising as a result of dismantling or reassembly of any items of furniture.

(w) experimental or prototypical automobiles.

(x) loss or damage attributable to fumigation or contamination of the shipment from any cause.

(y) loss or damage to live or perishable items.

(z) concealed missing or non-delivery of a shipping package if the delivery receipt shows that the package(s) was delivered to the final destination.

If underwriters replace, make a total loss payment or pay the insured amount as shown on the valued inventory for a damaged article, they, at their option, have the right to salvage the damaged article. The insurance company reserves the right to inspect and verify all reported damages and to require substantiation of any claimed amounts, values of items claimed or proof of ownership. This insurance includes coverage for 90 days storage at origin and/or destination within an approved warehouse. Mini storages, self-lock areas, garages and other like facilities are not considered approved warehouses. Should the storage period exceed 90 days, the assured or the assureds agent must promptly notify us of the delay and pay an additional premium. The disposal or additional transportation of any damaged item(s) is prohibited unless approval has been obtained or your claim has been completed

CLAIMS MUST BE SUBMITTED WITHIN 45 DAYS OF DELIVERY. All claims payments, minus any applicable deductible, will be made in U.S. Dollars and will be based on the exchange rate in effect at the time the shipment is declared. The claim settlement will be the lesser of repair costs, replacement costs, or the amount as shown on the itemized and valued inventory. Underwriters will not pay more than 50% of the items’ value for repairs.

Commodities, merchandise of a commercial nature, fine arts, office moves, company coverage, any shipment that is not a normal mixture of household goods and/or shipments where a single item or set of items are more than 50% of the insured value are NOT covered by this policy. For these types of shipments, please contact info@emovinginsurance.com for a quotation prior to packing.

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