PROTECTION COVERAGE ENROLMENT FORM LUMP SUM METHOD OF

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1 Thinking relocation? Think Santa Fe. PROTECTION COVERAGE ENROLMENT FORM LUMP SUM METHOD OF VALUATION We make it easy. Did you know you can read and complete this enrolment form online? Underwritten by: Aviva PLC Brokered by: Marsh Ltd Claims Administered by: WK Webster & Co Ltd Detailed Enrolment form 2017 v2. Page 1

2 CONTENTS 01. Instructions for enrolment Valuing your goods... 3 Replacement cost at destination High valued items Under valuation 03. Cover Options..4 Shipping costs Storage cover Wine/ liquor Fine arts 04. Cover Inclusions.. 4 Mechanical Derangement Pairs and sets Mould and mildew 05. Exclusions Damage exclusions Cover exclusions 06. Documentation Making a claim Concerns Cancellation Enrolment Form Terms and conditions. 10 Detailed Enrolment form 2017 v2. Page 2

3 01. INSTRUCTIONS FOR ENROLMENT Santa Fe, whom you have chosen to undertake the removal of your household goods, has arranged a special All Risk Protection Group Policy which is underwritten by Aviva. Santa Fe is the owner of the Group Policy. Here at Santa Fe, you can be assured that every care is taken by us to protect your goods from the uncertainty of international transit. Despite this, experience has taught us that sometimes the unexpected can happen and accidental loss and/or damage to your goods may occur and as such we can offer protection coverage. We recommend that you consider this matter and take protection cover for all shipments, including storage. Step 1: Read this document in its entirety Step 2: Complete the enclosed enrolment form Step 3: Value your goods Step 4: Once you have completed the form, sign, date and return it to Santa Fe prior to packing Step 5: Receive a certificate of cover 02. VALUING YOUR GOODS Replacement cost at destination Goods should be valued and covered at the replacement retail cost at destination. This is a new for old policy meaning that in the event of a claim deductions are not made because of an items age. Even when using the lump sum method, you should ensure that the total covered amount is sufficient to cover the full replacement cost of your entire shipment at destination. High valued items Any item or set worth more than EUR 1500 must be specifically valued and listed. When completing your list, please provide as much detail about the item as possible. For example, instead of painting you can specify Blue beach scene oil painting by artist. Do not undervalue your shipment In the event of a claim under valuation will be applied. This is when an item or shipment has not been covered for the replacement retail value. As an example, if EUR 5,000 of cover is purchased for a table where the replacement cost is EUR 10,000 and there is a claim against the table. The claim will be limited to the same proportion of the loss as the declared value bears to the value of the goods should have been covered, in this example 50% of the repair cost or 50% of the replacement value. Detailed Enrolment form 2017 v2. Page 3

4 03. COVER OPTIONS Shipping/ moving costs You can protect the cost of your move for added peace of mind. If your entire shipment does not arrive at the final destination you can claim for the cost of your move. This also covers the shipping costs for any replacement items that cannot be purchased in the destination country. Storage Cover Extension Coverage under this Shipment Protection Policy begins from the time your goods are professionally packed at your residence and continues during the ordinary course of transit, including customary transhipment, until the goods are finally delivered at the agreed final destination. The above duration of cover is deemed to include thirty (30) days storage immediately after collection at an origin warehouse and thirty (30) days warehouse storage prior to delivery at final destination, provided that the goods are stored at a premise of Santa Fe and/or their agents. Storage cover can be extended beyond this period upon your written instruction and in consideration of an additional premium. In the case of long term storage, you may wish to review and update your cover periodically to ensure that it remains adequate. Please note that Self-storage ends delivery and any coverage. Wine and liquors We can include cover for any wine and/or liquors being shipped up to EUR 10,000. Please note that this will only cover breakage and or loss and does not include consequential losses such as spoilage or change in taste. Fine arts We can include up to EUR 100,000 of fine arts within this Shipment Protection Policy. If you wish to cover more than EUR 100,000 worth of fine arts in your shipment, please complete our fine arts enrolment form. 04. COVER INCLUSIONS Electrical & Mechanical Derangement Electrical and mechanical Derangement cover provides protection to any electrical item that is being moved e.g. blenders, toasters, TV s, DVD players, computers. This cover protects your item if it arrives at destination and doesn t work but has no visible external damage. Goods must have been subject to packing and testing/assessment by Santa Fe or its agents and confirmed to be in good working order. Not applicable to motor vehicles, boats and trailers or items more than 6 years old. Pairs & Sets Limited to the reasonable reduction in value of the pair or set by reason of the loss of or damage to the affected items having regard to the importance of the affected items within the pair or set. Mould & Mildew Goods must have been packed by Santa Fe and or its agents. This specifically covers against damages resulting in mould and mildew. The maximum amount recoverable under the mould and mildew cover is EUR 20,000 Detailed Enrolment form 2017 v2. Page 4

5 05. EXCLUSIONS Damage exclusions This Protection cover does not cover damages caused by or because of ordinary wear & tear and/or gradual deterioration, seizure or confiscation by authorities (e.g. customs agents), vermin, insect, animal or moth damage. Clothing Santa Fe use a wide range of packing material and clothes are generally packed in flat and/ or hanging wardrobe cartons. During transport the wrinkling of clothes may occur. This protection coverage does not include pressing or laundry/ dry cleaning of clothes due to wrinkling or creasing under any circumstance. Handbags and shoes We recommend that handbags and shoes are wrapped in tissue paper and placed into the original manufacturer packaging if available. If the original manufacturers packaging is not available, they will be packed into standard cartons. This protection cover does not include deformation of handbags or shoes (e.g. bending, twisting, wrinkling, scratching, denting, etc.) which may occur during the move process. Consequential loss This policy does not cover consequential losses (i.e. resulting losses) arising from the delay, damage or nondelivery of your shipment, including loss of data. Climatic Conditions Damages caused as a result of climatic change is not covered under this policy. Our packers will pack and protect your items however, even with the best packing materials and procedures personal effects may be affected by the change in temperature and humidity when moving from one location to another. An example of this maybe lacquered furniture cracking. Owner packed goods Any items packed by the owner are classified as owner packed goods (or abbreviated as PBO). Any damage or missing items in the owner packed cartons or packages are excluded from this coverage. Motor vehicles Whilst under own power, scratching/denting/marring unless vehicle condition report is completed, nonfactory accessories, goods packed in motor vehicles Excluded items In no case, shall this Shipment Protection cover bank & treasury notes, firearms, furs, jewellery (including precious metals and stones), money, perishables (e.g. make up, perfumes, food) plants, securities, stamps, watches or weapons. Detailed Enrolment form 2017 v2. Page 5

6 06. DOCUMENTATION Cover shall only be in place once you have completed and returned your enrolment form to your Santa Fe Move Co-ordinator and a declaration of cover certificate has been issued. This must be prior to packing. Once packing is completed you will be required to sign the Packing List / Inventory confirming a description of your items, the condition, the number of items packed and removed from your residence. At time of delivery you will be asked to confirm receipt of the numbered items per the Packing List / Inventory and will be required to sign for receipt of the items. If there are any numbered items missing, please ensure they are noted on the packing list and/or Delivery Report. All missing items must be noted on the delivery documents failure to do so could result in your claim being declined. All items should be unpacked at time of delivery. Claims for loss or damage for self-unpacked items will not be considered. 07. HOW TO MAKE A CLAIM 1. Claim Notification: Log on to within 30 days of delivery and provide a full list of the items you are claiming for. If you are unable to make your claim notification online, or require assistance please contact your Santa Fe co-ordinator prior to the 30-day notification period expiring for assistance. Additional items will not be considered once you have submitted your claim notification, so please ensure you have included all the items you wish to claim for. 2. Claim Submission You then have 45 days from the date you filed your claim notification to provide supporting documents, including photographs, repair costs, third party replacement costs. Once your claim has been submitted you will be allocated a Claim Handler who will be your point of contact throughout your claim. 3. Claim Handling Each claim will be reviewed in accordance with the terms and conditions of the Policy. Please note that this is just a general guide as each claim will be reviewed on an individual basis. Item can be repaired: Your Claims Handler will review the photographs provided and ask relevant information to determine if repairs are possible (if a repair estimate has not already been provided). If repairs are possible a professional restorer will be appointed to view the damaged item and provide the Claims Handler with a quote for repairs. You can then choose to have the cost of repairs paid to you or have the repairs completed. Item cannot be repaired: If a restorer was appointed they will inform your Claim Handler that repairs cannot be repaired. For minor damages where an item still functions but is aesthetically damaged your Claims Handler may offer an appearance allowance. If the item cannot be repaired and the item has lost its function, then your Claims handler will offer settlement based on the third-party replacement estimate provided as part of your claim submission. If full settlement is offered, then Underwriters reserve the right to salvage the item. Missing items Your Claims Handler will check to see if the missing items are noted on the delivery paperwork. Your claim may be declined if the missing items were not noted on the delivery paperwork. Please ensure that you check your items during delivery and note any damages/ missing items. Detailed Enrolment form 2017 v2. Page 6

7 08. CONCERNS If you have a concern about this Shipment Protection Policy, you should address your communication to: The Claims Department Santa Fe Relocation Services HQ Central Way, Park Royal, London, NW10 7XW, United Kingdom. Claimsdepartment@santaferelo.com 09. CANCELLATION We hope that you are satisfied with the cover that this policy provides. However, you have the right to cancel up to fourteen (14) days prior to the policy s inception (first day of packing) should you wish to do so. Notification must be provided in writing before the 14-day time limit, by mail, fax or to your Santa Fe Co-ordinator. Should you exercise your right to cancel, we will refund your premium minus a EUR 50 administration fee. 10. LUMP SUM ENROLMENT FORM Please complete this application for protection coverage Full Legal Name of Applicant Packing Date Owner Packed Professionally Packed Mode of Transport Yes/ No Yes/ No Air/ Land/ Sea/ Store Origin City and Country Destination City and Country Currency this form is being completed in Please ensure you read through the instructions below: Do not include bank & treasury notes, firearms, furs, jewellery (including precious metals and stones), money, perishables (e.g. make up, perfumes, food) plants, securities, stamps, watches or weapons, as these items are excluded from the Protection Cover. (see exclusions for further details) Do not include more than EUR 10,000 worth of wine/ liquor or more than EUR 100,000 of fine arts Enter the cost of your move if you are covering your shipping costs It is required that this form is signed, dated and returned to Santa Fe prior to packing. Should you feel the form is too restrictive, or if you would prefer to compile your own list, that is allowed Detailed Enrolment form 2017 v2. Page 7

8 LUMP SUM ENROLMENT FORM Please read the below important remarks for the Lump Sum Protection coverage. The chargeable scale is based on cubic meter (i.e. CBM). One (1) cubic meter is equivalent to cubic feet. Each cubic meter of goods is given a fixed value at the minimum of EUR 2500 (or equivalent in other currencies). You may declare at a higher value if required but cannot declare at the value less than EUR 2500/cubic meter. Minimum volume is at one (1) cubic meter (or EUR 2500). Any item or set valued more than EUR 1500 (or equivalent in other currencies) must be separately listed and are in addition to the minimum EUR 2500 per cubic meter calculation. Final chargeable scale will be based on the actual measurement of the shipment after packing and crating has been completed (A) Total Cubic Capacity of your shipment (One cubic meter is equivalent to cuft) = Cubic meters EUR 2500 per cubic meter (i.e. Section A x EUR 2500 = Section B) = (C) Plus, the total of any items valued in excess of EUR 1500 as listed on this inventory (You can make use of the itemised valued inventory form on the next page or you can use your own list for any items valued at over EUR 1500) = (D) Household Goods Total (i.e. Section B + Section C = Section D) = (E) Automobile = (F) Shipping Costs If you wish to cover your shipping costs, please enter the cost of your move = GRAND TOTAL: (i.e. Section D + Section E + Section F = GRAND TOTAL) = Detailed Enrolment form 2017 v2. Page 8

9 LUMP SUM ENROLMENT FORM List any items or sets worth more than EUR 1500 ITEM VALUE TOTAL HIGH VALUE ITEMS TOTAL COVERED AMOUNT COVERED CURRENCY Declaration of the Proposer I declare that I have disclosed all material facts and understand that failure to do so could render my enrolment and coverage void. I declare that the amounts stated above are the full value of the goods at destination. I confirm that I have declared all items that I wish to be covered with all details requested. I have read this enrolment pack and the conditions stated overleaf and understand that these shall form the basis of my enrolment in the All Risk Protection Policy. Signature Date Detailed Enrolment form 2017 v2. Page 9

10 SHIPMENT PROTECTION TERMS AND CONDITIONS CAUTION: BE SURE YOU READ AND UNDERSTAND IT AND COMPLY WITH ALL TERMS AND CONDITIONS. FAILURE TO COMPLY WITH ANY OF THE TERMS AND CONDITIONS MAY RESULT IN REDUCTION OF THE RECOVERABLE AMOUNT OR COULD INVALIDATE YOUR COVERAGE UNDER OUR ALL RISK PROTECTION GROUP POLICY ENTIRELY 1. PROPERTY INSURED Household goods and personal effects, antiques, fine arts, motor vehicles, boats and trailers as declared and valued on the Enrolment form attaching to and forming part of this shipment protection policy, but in no case, shall this policy cover bank & treasury notes, firearms, furs, jewellery (including precious metals and stones), money, perishables (e.g. make up, perfumes, food) plants, securities, stamps, watches or weapons. 2. RISKS INSURED ALL RISKS GOODS PACKED BY SANTA FE OR THEIR AGENTS A. Against All Risks of physical loss of or damage to Goods in accordance with the following London Institute Clauses current at the time of commencement of transit: Institute Cargo Clauses (A) or (Air), the relevant Institute War Clauses and Institute Strikes Clauses, Institute Classification Clause, Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons Exclusion Clause, Institute Cyber Attack Exclusion Clause. Subject always to the Termination of Transit Clause (Terrorism) (JC056). B. General Average and Salvage Charges: General Average and Salvage Charges payable as provided in the contract 7. EXCLUSIONS CONTINUED B. 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 assured's inventory list signed by both the mover's agent and the Applicant. C. Loss or damage due to mechanical, electric or electronic derangement if the covered items are under a manufacturer's warranty. Further, if the covered items exceed six years of age, and are not professionally packed by the movers. D. Loss or damage due to seizure or confiscation by authorities, loss of data or consequential loss or damage. E. Bank & treasury notes, firearms, furs, jewellery (including precious metals and stones), money, perishables (e.g. make up, perfumes, food) plants, securities, stamps, watches or weapons. F. Claims for partial loss (shortage) of goods from theft, pilferage, mysterious loss or disappearance or any cause whatsoever are excluded unless reported written exception is made with moving personnel at the time of delivery at destination residence. The time of delivery is the period between arrival of goods at destination residence and departure of moving personnel from the destination residence. 8. 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 30 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: Operation under its own power occurs for distances not exceeding 10 statute miles during transit between conveyances. Operation under own power occurs whilst on premises of loading or unloading port and subject to the following exclusions/conditions: A. Vehicle to be loaded on board vessel in strict compliance with all safety measures of carriage. B. Excluding all third-party risks whist being driven under own power and this coverage does not extend to any damages, injury or liability to third party under any law requiring vehicles to be covered against third party risks or liability. C. Scratching, denting or marring of automobile or motorcycle or mobile home unless the freight forwarder and the owner of the automobile or motorcycle 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 time the same entered the custody of the freight forwarder or steamship company, noting all defects, if any. D. Coverage in respect of non-factory installed accessories or removable items on automobile or motorcycle or mobile home unless specified. E. 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 All Risk Protection Group Policy, where they do not conflict with the specific conditions. 9. PROCEDURE OF CLAIM A. There are definite time limitations for claim submission, review the How to Make a Claim airfreightment. For the purpose of claims for general average contribution and salvage charges recoverable hereunder the subject matter covered shall be deemed to be covered for its full contributory value. General average deposits only payable on General Average deposits receipts. C. Owner Packed Goods Cover as above but excluding claims for: Breakage, scratching, denting, chipping, staining and tearing of owner packed effects unless directly caused by fire, stranding, sinking or collision of the vessel or collision or overturning of transporting land conveyance. Also, excluding claims for missing items of owner packed cartons or packages, including trunks, suitcases and the like. 3. DURATION OF COVER A. Cover is to apply from such time as packing shall commence at origin residence and be continuous during normal course of transit until unpacking is completed at destination residence or departure of moving personnel from destination residence (whichever shall occur first), provided that all other Terms and Conditions of the Shipment Protection Policy are met. B. Coverage at warehouse of country of origin is provided for up to 30 days, and for up to 30 days after arrival at warehouse of final destination is provided, warranted that the property is stored in the warehouse of Santa Fe and/or its Agents. C. Storage coverage extension may be granted subject to prior notice and payment of additional premiums to the Underwriters, as per the Storage Coverage Extension Form, forming part of this Policy. Extension is subject to approval and validation by the Underwriters. D. Notwithstanding the above the duration of cover in respect of War and Strikes risks shall be in accordance with the relevant Institute War and Institute Strikes Clauses. 4. VALUATION OF GOODS A. New Replacement Cost: The personal and household effects covered hereunder must be valued at the replacement cost at destination as supported by a complete valued inventory. Coverage requires that high valued items be specifically declared and valued. The settlement based on full replacement value coverage will be the lesser of repair cost/replacement value section included in the Enrolment Form. or as stated on the valued inventory. The Underwriters reserve the right to replace the (i) Claim notification: Claims must be notified within 30 days of delivery via damaged or missing items of like kind and quality. and must include a complete list of the items being B. Undervaluation: The Applicant shall at all times maintain coverage on 100% value of his claimed. shipment to the extent of the replacement cost at destination (replacement value at today's (ii) Claim Submission: Further it is mandatory for all supporting documents to be replacement cost), at the time of loss or damage and failure to do so, the covered person provided in a timely fashion not to exceed 45 days from the date of claim notification. shall to the extent of such deficit, bear his or their proportion of any loss or damage including All the damaged items must be retained until the claim has been settled otherwise labor charges. Underwriters can decline your claim. C. Agreed Value Clause: Notwithstanding anything to the contrary herein, it is hereby declared (iii) Failure to provide a claim notification within 30 days of delivery and/or not provide and agreed that in case of a claim arising in respect of all or any item or items appearing on supporting documentation within 45 days from the claim notification date will result in the enrolment form, the value reflected against such item or items shall not be regarded as your claim being declined and your claim file closed. and agreed value between the Underwriters and the Applicant, notwithstanding that an B. Repair and Replacement Clause: Underwriters shall be entitled at its sole option to replace, Enrolment Certificate has been issued in respect of the total amount or amounts of such with like kind and quality, or repair any article damaged (whether wholly or in part), or to pay enrolment form. The actual value and amount recoverable in respect of each and every item cash, in any event not exceeding the covered value thereof. Always provided that in the lost or damaged will have to be provided by the Applicant to the Underwriters - the maximum event of replacement or cash payment for actual or constructive total damage, the item is amount recoverable being the sum covered or the replacement value at destination, surrendered to and becomes the property of the Underwriters. Underwriters may require whichever is the lower. proof of ownership and/or value of any items claimed missing or damaged. D. High Value Items: High value items and/or items not normally shipped in a household goods C. Depreciation: Underwriters liability is restricted to the reasonable cost of repair and shipment and valued at over EUR 1500 per item or set must be specifically declared and excludes any reduction in value arising from repairs or restoration of a damaged item or valued prior to issuance of the Enrolment Certificate. High Value Items are defined as, but depreciation as a result thereof. not limited to the following: Antiques, objects of art, valuable carpets, china, crystals, D. Apportion Value: Where the subject matter covered is under one valuation, for the purpose collection of records, tapes, pictures, paintings and other like goods. of loss assessing, Underwriters reserve the right to apportion the value over each item and 5. SPECIAL COVER INCLUSIONS then over each quantity. A. Electrical and mechanical derangement: Subject always to the relevant Goods being 10. TERMS AND CONDITIONS packed by Santa Fe and/or their agents, cover is extended to include damage to the Goods A. E.U. Disclosure Clause (UK): The Parties are free to choose the law applicable to this caused by electronic and/or electrical and/or mechanical derangement provided the items Insurance Contract. Unless specifically agreed to the contrary this insurance shall be subject have been subject to testing/assessment by Santa Fe and/or their agents prior to transit and to English Law. confirmed to be in good working order. This extension does not apply to Motor Vehicles, B. Freight Forwarder and not Insurance agent: Santa Fe is the owner of the All Risk Boats, and Trailers or items older than six (6) years. Shipment Protection Policy, and is not an agent of the Underwriters of the policy. There is B. Pairs and Sets: In the event of loss or damage recoverable to any item or items forming part no separate policy between the covered person and the Underwriters. Santa Fe is not of pair or set the indemnity afforded by this Shipment Protection Policy shall be limited to the authorised to make any representation what so ever concerning coverage under this Policy. reasonable and fair reduction in value of the pair or set by reason of the loss or damage to All questions concerning coverage shall be directed exclusively to the Underwriter, Aviva the affected items having regard to the importance of the affected items within the pair or PLC. set. All the articles constituting the pair or set shall, at Underwriters option, become their C. Subrogation Clause: The Insurers shall be subrogated to the extent of their payment for property in the event that the Underwriters agree to pay the total loss of the pair or entire set. losses insured hereunder to all the Insured s rights of recovery against any person or C. Mould and Mildew: Subject always to the relevant Goods being packed by Santa Fe and/or organization, excepting Santa Fe. their agents and notwithstanding the atmospheric and/or climatic conditions exclusion D. Other Insurance: The All Risk Protection Group Policy does not cover to the extent of any clause, cover is hereby extended to include damage to the Goods resulting in mould and/or other insurance, whether prior to subsequent hereto in date and by whomsoever affected mildew. The maximum amount recoverable under this clause is EUR 20,000 directly or indirectly covering the same property, and the Underwriters shall be liable for loss 6. OPTIONAL COVER EXTENSIONS or damage only for the excess value beyond the amount due from such other insurance. A. Shipping Costs: The Applicant has the option of increasing the Cover Value to allow for the E. Deductible: This Shipment Protection Policy is subject to a nil deductible costs of duty, shipping costs and/or similar charges. F. Premium Payment: Underwriters shall only be liable to settle a claim recoverable under this B. Wine and liquors: Cover for breakage and or loss for wine and or liquor is provided within Policy provided Santa Fe confirms that all premiums have been received. In the event that this Policy. The maximum amount recoverable is EUR 10,000. premiums are outstanding, Underwriters will settle a valid claim once premiums have been C. Fine Arts: This Policy includes cover for fine arts, which must be specifically listed and paid. valued as high valued items. The maximum amount recoverable is EUR 100, CANCELLATION: 7. EXCLUSIONS You have the right to cancel within fourteen (14) days prior to the policy s inception (first day In addition to the exclusions specified in the Institute Clauses and/or elsewhere in this Policy, of packing) should you wish to do so. Notification must be provided in writing prior to the 14 the following exclusion clauses for loss, damage will apply: day time limit, by mail, fax or to your Santa Fe Co-ordinator.Should you exercise your A. Ordinary wear & tear and/or gradual deterioration, seizure or confiscation by authorities right to cancel a EUR 50 administration fee will be payable. (e.g. customs agents), climatic conditions or extremes of temperature, vermin or moth damage. Detailed Enrolment form 2017 v2. Page 10