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Underwritten by Royal & Sun Alliance Insurance plc (No. 93792).
Registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).
Where the damage can be economically repaired we will pay the cost of repair. Where the damage cannot be economically repaired and the damaged or lost item can be replaced, we will replace it. If a replacement is not available we will replace it with an item of similar quality.
Where we are unable economically to repair or to replace an item with an item of similar quality, we will agree a cash payment with you based on the replacement value.
Where we can offer repair or replacement through a preferred supplier, but instead you request and we agree to pay a cash settlement, then the amount will not normally exceed what We would have paid our preferred supplier.
In the event of the total loss or destruction of any article we will not pay more than:
a) the new replacement cost of any home contents and personal effects other than listed in b) and c) below.
b) the market value of any clothing, antiques, fine arts, boats, motorcycles, cycles and trailers.
c) the cost of documents as new stationery.
d) the cost of data storage media as new blank data storage media.
Any business policy exceeding a sum insured value of £20,000 per customer must be referred to email@example.com
In addition to the domestic exclusions, business policies exclude the following cargo. All requests for the excluded cargo must be referred to us for our consideration:
The requested cargo must be able to be valued at market value except if the cargo is business records, medical records, receipts, dissertations, plans, manuscripts and the like where it will have to be valued at paper cost.
This insurance does not cover:
4.1 more than the Sum Insured shown in the Confirmation of Insurance.
4.2 more than £5,000 for any one item unless the item and its value is specified in the Confirmation of Insurance.
4.3 the first £25 of each and every claim increased to £100 in respect of damage caused by moth, insect or vermin.
4.4 more than £10,000 or 25% of Your Sum Insured, whichever is the least, in respect of theft or malicious damage when the Property Covered is not in an individual self storage unit
4.5 any item that You are not permitted to store according to the terms of the applicable self storage licence agreement.
4.6 more than £500 for jewellery, watches, stamps and mobile telephones.
4.7 money, coins, bullion, precious stones, deeds, bonds, securities, credit/debit/charge cards, lottery tickets or scratch cards, consumer redemption vouchers/stamps/cards.
4.8 living creatures, plants.
4.9 more than 10% of Your Sum Insured in respect of any combination of the following bottled spirits, processed tobacco, tobacco products, bottled perfumery.
4.10 costs not directly incurred as a direct result of loss of or damage of the Property Covered
4.11 loss of data. For the purposes of this exclusion data shall be information represented or stored electronically including code or series of instructions, software programs and firmware.
4.12 any consequence of war, invasion act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation, nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
4.13 loss of or damage to the Property Covered caused by or arising from any act including (but not limited to) the use of violence or threat thereof, by any group of persons (whether acting alone or on behalf of or in connection with any organisation or government) committed for political, religious, ideological or similar purposes (including the intention to influence any government or to put the public or any section of the public in fear).
4.14 loss of or damage to Property Covered caused by or arising from
a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
b) any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
c) the radioactive, toxic, explosive or other hazardous properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof
d) the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub-clause does not extend to radioactive isotopes (other than nuclear fuel) when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes.
e) any chemical, biological, bio-chemical or electromagnetic weapon.
4.15 any claim to the extent that the provision of such cover would expose Insurers to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.