EMOVE INSURANCE
Terms of Use
Valued Inventory Form: Please provide an inventory of items that you wil be taking with you to your new home.
Items that are missed on the valued inventory are not eligible for coverage in the event of loss or damage. You must
insure al items in your shipment.
It is required that for items of high intrinsic value, you obtain, at your own expense, an appraisal of such items prior to
packing. The company wil require evidence of value (appraisal, purchase receipt, or bil of sale less than six years old) in
the event of loss or damage prior to packing. Proof of purchase may also be required, but not limited to silverware,
clothes, shoes, handbags, colections, and similar items with individual values at or above $1,500. You may wish to carry
these appraisals with you rather than packing them with your shipment. You may also send copies of them along with
your high-value form. These items wil also require a condition report from the origin and photos to document the
condition before packing. If proof of value is not provided, any claim settlement wil be made at the sole discretion of the
Underwriters. (Appraisals must be obtained through an accredited certified appraiser, such as the International Society of
Appraisers or the American Society of Appraisers.) If your bil of sale, purchase receipt, or appraisal is older than six years,
you must obtain a current appraisal.
A professional appraisal, bil of sale, or purchase receipt must be provided for items valued over $10,000, and approval
must be provided by UNIRISC prior to packing in order for coverage to be effective. You wil be required to obtain a new
appraisal if your proof of value is older than six years. UNIRISC reserves the right to ask for proof of value for any item of
high or unique value.
If there is a deductible on the policy, it wil be applied to any certificate in the event of a claim. If you have both a
household goods claim and a vehicle claim, the deductible wil be applied to both claims.
Coverage applies for 365 days from the day of packing until the delivery date. If your goods are in storage longer than
365 days, you must notify your move coordinator, and an additional premium wil be charged for Storage in Transit
coverage.
Additional considerations: The transferee must declare the ful value of the entire shipment at the time of shipment.
If undervalued, the transferee wil bear a proportional share of any loss.
Acts of war, strikes, riots, and civil commotion, excluding OFAC-restricted countries.
IMPORTANT: View Additional Terms & Conditions Below:
ADDITIONAL TERMS AND CONDITIONS
Except while on deck of ocean vessel subject to on-deck bill of lading:
Against all risks of physical loss or damage from any external cause, irrespective of percentage, but excluding those risks excepted by the Free of Capture and Seizure and Strikes, Riots, and Civil Commotions warranties, unless otherwise specifically noted hereon.
While on deck of ocean vessel subject to an on-deck bill of landing: Warranted free of particular average unless caused by the stranding, sinking, burning or collision of the vessel; but to pay the insured value of any merchandise or goods jettisoned or washed overboard, irrespective of percentage.
CONDITIONS OF COVERAGE
A. Prima Facie Evidence Clause: The origin and/or destination shipping inventory as prepared by the mover shall be Prima Facie evidence of delivery of the shipment in good order with the except of any written notations made on such inventory by the Insured at the time of delivery, noting missing and/or damaged items.
B. Repair or Replacement Clause: DO NOT DISPOSE OF OR DISCARD ANY ITEM WITHOUT WRITTEN AUTHORIZATION Underwriters retain the right to inspect any item prior to its repair or disposal. Underwriters shall be entitled, at their sole option, to repair or replace with like kind and quality , any article lost or damaged (whether whole or in part) or to pay cash therefore not exceeding, in any event, the amount of the insured item. No betterment allowable.
C. Salvage Clause: Where replacement or total loss payment of a damaged article(s) is made by Underwriters, they, at their sole option, have the right to salvage the damaged article (s).
D. Misrepresentation and Fraud: This entire certificate shall be void if, whether before or after a loss, the insured has concealed or misrepresented any material fact or circumstances concerning this insurance or the subject thereof, or the interest of the insured therein, or in case of any fraud or false swearing by the insured relating thereto.
E. Suit Against Company: No suit, action or proceeding against this Company for recovery of any claim shall be sustainable unless commenced within one year from the date of the happening out of which the claim arises, provided that if such limitation is invalid by the laws of the state in which this certificate is issued then such suit, action or proceeding should be barred unless commenced within the shortest limit of time permitted by the laws of such state.
F. Transit Limitations: Household Goods: Coverage is to attach from date the Moving Company accepts property at origin residence which is the date shown on the Moving Company’s origin shipping inventory and is continuous during the normal course of transit until the Moving Company delivers the property at destination residence provided that all other terms and conditions of this are met. The origin and destination referred to in this clause means the FROM and TO, as appropriate locations specified on this certificate.
G. Other Insurance: This insurance does not cover to the extent of any other insurance, whether prior of subsequent hereto in date and by whomsoever effected, directly or indirectly covering the same property, and the Company shall be liable for loss or damage only for the excess value beyond the amount due from such other insurance.
H. Burden/Duty of Insured: The burden of proof is upon the Insured to establish that loss and/or damage was incurred while under the ambit of this certificate’s coverage. It is the duty of the Insured and their agents, in all cases, to take such measures as may be reasonable for the purpose of averting or minimizing a loss and to ensure that all rights against carriers, bailees, or other third parties are properly preserved and exercised. Failure by the Insured to fulfill these obligations could preclude recovery for any claimed loss and/or damage.
I. Premium Payment: Where the named insured herein has not paid premium directly to UNIRISC, any party receiving premium from the herein named insured is construed as the Insured’s agent for payment of said premium to UNIRISC, and failure of UNIRISC to receive such premium will void any coverage under this certificate.
J. Abandonment: There cannot be any abandonment of any insured property to the Underwriters or anyone else.
K. Assignment of Certificate: This certificate shall be void if assigned or transferred without the written consent of this Company.
L. Storage in Transit Coverage Extensions: Coverage is intended to apply within the country of origin or final destination for the period agreed upon provided that the property is stored in an enclosed, protect commercial Moving Company’s household goods warehous