Insurance for Emigrating

Can you have confidence in a removal company's insurance overseas?

Moving your household belongings around the world can be a daunting prospect. However, in terms of insuring your goods as they travel by sea, air or land we give you one less thing to worry about.

Marine insurance is a very specialist area and Letton Percival is one of the few true specialists. We can give you the best advice based on years of experience and competitive prices, thanks to our specific expertise in this field.

Global reach and local support

Our marine insurance is underwritten by the Kiln Syndicate, a leading insurer at Lloyds and wholly owned subsidiary of Tokio Marine who are one of the largest insurance groups in the world. Our scheme is unique to Letton Percival and one that so many of our clients are happy to recommend to others.

We work with Kiln for several critical reasons:

Global presence means claims are handled by local experts, people who know how best to progress claims in the nation in question
As specialists, Kiln offers very competitive prices
The company's financial position is strong
Years of experience means we have great confidence in Kiln's professionalism and service levels

If you would like to know more about Kiln, please click on the link below,

http://www.kilngroup.com/

Summary of Cover

Insurer	Kiln Regional Underwriting Ltd on behalf of Kiln Syndicate 510 Lloyds.
Cover	Cover is in force from once the goods are packed to arrival at their final destination including storage in the ordinary course of transit in accordance with Institute Cargo Clauses (A). This represents the widest form of protection and provides all risks cover against physical loss or damage to the goods, including both total and partial losses.
Excess	1% of the insured value subject to a minimum of £100 but maximum of £250.
Extensions	Pairs and Sets – cover includes any special value which such article or articles may have as part of a pair or set Mildew or Mould
Significant or Unusual Exclusions	Owner Packed Effects. For owner packed goods breakages are excluded for china, glass, curios, pictures, musical instruments or fragile articles. Excluding electrical or mechanical derangement (please see the Frequently Asked Questions section for further details). Excluded Goods – for example: cash, jewellery, watches, passports, tickets (please see application form for a full list). Goods should be insured for their full replacement value in the country of destination to prevent average applying in the event of a claim. Average means all claims, not just total losses, would be proportionately reduced in the event of a claim.

Personal effects

Premium calculation example:

(rates apply to Australia, New Zealand and Canada)
Please refer alternative locations for the applicable rates

* IPT is Government levied Insurance Premium Tax which applies for insurances arranged in the UK. For shipments from outside the UK back to the UK IPT does not apply.

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Notes

Minimum premium is £25.00 + IPT = £26.25

Storage is subject to a maximum period of 6 months at each end

Please refer following:

Cover for Motor Vehicles
Cover for Tools of Trade (not personal tools) in excess of £1,000
Shipments over £50,000
Storage over 6 months at each end
Where breakables, e.g. glassware, exceed 20% of the value

If goods are not professionally packed cover will exclude breakage or damage to china, glass, curios, pictures, musical instruments or fragile articles of any kind unless caused by Fire, Theft or an Accident to the carrying conveyance.

How do I arrange cover?

It's simply a matter of completing a downloadable one page proposal form and returning it to us, for approval and confirmation of terms and premium.

Click here to download form

What to do in the event of a claim

It is the duty of the Insured to take such measures as may be reasonable for the purpose of averting or minimising a loss and to ensure that all rights against Carriers, Bailees or other third parties are properly preserved and exercised. Specifically, it is very important that when you are asked to sign for your property on delivery, that you clearly record any discrepancies or, if there is no opportunity to inspect the property, that you record that fact on the Delivery Note. You must then write as quickly as possible to whomever delivered your property confirming any damages or missing items and holding them responsible.

In the event of loss or damage which may involve a claim under this contract of insurance, please give immediate notice with an indication of the extent of the loss or damage to:

Marine Claims Department
A Letton Percival & Co Ltd
The Old Malthouse
Trueman Street
Liverpool
L3 2BA

Telephone Number: 0151 236 4568
Fax Number: 0151 255 0288
E-Mail: brian.naughton@lettonpercival.co.uk

The following documents should be submitted to support the claim as soon as possible:

The Certificate of Insurance issued to you by A Letton Percival & Co Ltd.
The Original Bill of Lading (Sea Freight) or Airwaybill (Air Freight) or other Contract of Carriage which should have been given to you by the Remover/Freight Forwarder in the country of departure. Obtain a copy from them if you cannot trace the Original.
A copy of the Delivery Note/Receipt that you signed on final delivery.
Correspondence exchanged with the Carriers and other third parties regarding their liability for the loss or damage.
Details of the lost/damaged items, estimated cost of repair for those items which can be repaired or values for those items lost or beyond repair. NB. Your insurance covers the reasonable cost of obtaining repair estimates.
Any photographs that you have taken of the goods and/or the packing.

A decision will then be made as to whether or not to appoint a Surveyor and A Letton Percival or the Surveyor will then progress the claim with you.

FAQs

Summary of Cover