A shipment whether it is personal effects/household goods or commercial items when it is handled by yourself or by a third party like a removal company or a freight forwarder, it is very essential that all the items dispatched should be provided by an All Risks Insurance cover for the current value of the goods plus 10 to 15 % of the same to cover the cost of handling and freight paid to the carriers.

To provide, All Risks Insurance cover is very important, since once the goods are taken out of your premises, it is exposed to all elements both natural calamities and manmade errors. Even if all the personnel who are involved in handling a consignment are extremely careful, there are blind spots and there are possibilities that something would go wrong, how serious or how much damage will occur by an accident cannot be fathomed. Considering the serious risks involved in accidents and other eventualities, a comparatively small amount spent for taking All Risks Insurance coverage is worth every penny.

These, All Risks Coverage can be taken by yourself or can be arranged by us very easily. We can provide a very competitive rate, to provide All Risks Coverage that means covering all the eventualities on a door to door basis. Only you have to prepare an itemized packing list with value shown against each item, for which we are providing blank printed standard forms. Any query regarding this matter will be clarified by any of our staff. It is important that the Insurance cover should be in place before the consignment leaves your premises. This is very important. As you know, we are not liable for any claim, if the items you sent out without providing an All Risks Insurance cover since 99.9% of the accidents, theft, damages etc occur outside your / own premises and are caused by external forces beyond anybody's control.

How Should I Value my Goods?

Valuing your goods and completing your inventory is an important step of your move, ensuring your goods are well covered:

• Every item you intend to move should be covered
• Purchase value of the goods
• Do not undervalue your shipment
• Provide as much detail as possible
• Declare your high value items
Every item you intend to move should be covered.

What to Do in the Event of a Claim?

Ensure that you know what the procedure is in the event of a claim for goods that have been lost or damaged in transit. Here are some points that you will need to clarify with your moving company:

• The required notice period to the removals company from the date of delivery.
• The information that you need to provide when giving notice.
• When you need to make your claim, what it must include and how it should be notified (i.e. registered mail, e-mail, normal mail).
• Any other information/paperwork that will be required.

These procedures must be followed in the event of loss or damage to your items occurred and noticed by you when it reaches its final destination.

• Study the cover note, the policy document issued by the insurance company who provided the insurance cover.
• If shipment is damaged or short received at the time of arrival, make a note on the delivery documents, the actual condition of the shipment as received and request an immediate and preliminary survey by the destination agent who delivered the shipment to your premises and also contact the local agent of the insurance. Company who provided the insurance cover.

DEMAND MUST BE MADE AGAINST CARRIER BY LETTER WITHIN SEVEN (07) DAYS IN THE CASE OF AN ACCIDENT, DAMAGE OR SHORTAGE AND WITHIN FOURTEEN (14) DAYS IN THE CASE OF NON DELIVERY.

• If the carrier refuse to acknowledge the damage occurred to the consignment or against short receipt of the item or non-delivery of the complete consignment, arrange to file a written protest with the carrier describing conditions of shipment when received and hold carrier liable to any loss that may be disclosed by survey as mentioned below.
• Report the same immediately to, and arrange for a survey by the agent in your town or area whose name is shown in the policy cover note. If neither is represented in your area, then contact any Insurance Company or recognized professional Surveyors to perform the survey and obtain a report for loss or damage.
• Request representative to hold survey and issue certificate specifying cause and extent of loss or damage. Representative of the carrier should be asked by a letter to attend the survey.
• Container and contents should be preserved in the same condition it is received until survey is completed. The survey fee, if customarily paid by the consignee may be included in any valid Claims Statement/Bill to be submitted to the Insurance Company.
• To facilitate prompt loss of adjustment and claim settlement, collect the following essential documents including written claim made to the carrier.

	a.	Consignee copy of Air Way Bill/Bill of Lading
	b.	Any other delivery receipt or tally sheet.
	c.	Copy of letter notifying carrier of shortage/damage
	d.	Copy of carrier’s reply acknowledgment, if any
	e.	Original insurance certificate ( copy not acceptable )
	f.	Copy of survey report issued by the Survey and invoice covering the amount paid for the survey.
	g.	Copy of commercial invoice and packing list, pertinent to items lost of damaged, noted.
	h.	Claim Bill/statement (dollar amount of damage/loss including invoices for repair charges if any.

These documents to be presented to the Insurance Company if represented in your area, or forward the same to the Insurance Company ( underwriter ) from whom you have taken the Insurance cover or if it is provided by our office then to our address which is as follows :-
• No claim will be accepted by the insurance company :

	a.	If the carrier is not notified of a damages or shortage immediately, as mentioned above.
	b.	If survey had not been performed with thirty (30)days after receipt of the items.
	c.	If documents and claims bill for damages or loss are not presented immediately to prevent time bar by the carrier/ insurance company.

Please note that if the All Risk Policy is arranged by our office then the deductible ( EXCESS) under the same policy in respect of all shipments. (sea and air) shall be as follows:-

	1.	All Fragile items, antiques, paintings, pictures, drawing and other ornamental items		Dhs 1000/- in respect of each and every claim
	2.	All other items		Dhs 500/- in respect of each and every claim
	3.	Vehicles		Dhs 1000/- in respect of each and every claim

In respect of the deductibles, please note that if a claim involves loss of or damage to items listed under item 1 above and also under item 2 the total deductible will be Dhs. 1500/- Thus, if a client has all the three above items shipped and claim is lodged in respect of each section, then the deductible will apply individually.

Main Exclusions

Removals companies do not usually cover goods which fall under the following risk criteria:

Consequential loss

Consequential losses (i.e. resulting losses) arising from the delay in delivery may not be covered, and loss of value and depreciation due to damage and/or after repair may be excluded from cover. Ensure that you clarify this with your removals company.

Owner packed goods

Items packed by the owner without inspection by the mover before the carton box is sealed, are classified as "Packed by Owner" (abbreviated as PBO). Movers usually exclude cover to items which are damaged or lost in owner-packed-cartons. If you wish to be covered, allow your removals company to pack or repack all items. Insurance companies consider us a good risk as we have among the least number of claims in our industry: if, however, something should happen our insurance department will scrupulously follow your claim, helping with all forms and procedures, right up to the final outcome of the claim.