Terms & Conditions - Domestic Policy

Terms and Conditions of Insurance

1. Property Covered

The Property Covered is home contents and personal effects including sports equipment, boats, motorcycles, cycles and trailers whilst within an individual self storage unit at the Self Storage Location shown on the Confirmation of Insurance. A Self Storage Location is a secure storage facility that offers do-it-Yourself storage space. An individual self storage unit is a fully enclosed locked container, room, compartment and/or locker used for storage to which You have the right to exclusive access. The Property Covered does not include property relating to any business or commercial venture.

2. Coverage

Cover is for physical loss of or damage to the Property Covered arising from fire (and/or the additional perils listed below) occurring during the Period of Insurance shown in the Confirmation of Insurance. The additional perils covered are explosion, lightning, aircraft, earthquake, riot, civil commotion, storm, flood, burst pipes, impact by road vehicles, sprinkler leakage, theft where entry or exit to the individual self storage unit was effected by forcible and violent means, malicious damage, moth, insect or vermin from a source outside of the Property Covered.

3. Transit Extension

Cover is for physical loss of or damage arising from fire (and/or the additional perils listed below) to home contents and personal effects (including sports equipment, boats, motorcycles, cycles and trailers) occurring during the Period of Insurance shown in the Confirmation of Insurance whilst in transit within an enclosed car or commercial road vehicle:-

1. to the Self Storage Location shown on the Confirmation of Insurance from any location in the UK or
2. from the Self Storage Location shown on the Confirmation of Insurance to any location in the UK

The additional perils covered are:

1. road traffic accident where the conveying enclosed car or commercial road vehicle is also damaged and
2. theft where entry or exit was effected by forcible and violent means.

This insurance does not cover:

1. property relating to any business or commercial venture.
2. loss or damage where the conveying enclosed car or commercial road vehicle was unattended.
3. more than £10,000 or The Sum Insured whichever is the least.

4. Exclusions

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 The 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 is not permitted to be stored 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 The 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

1. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
2. any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
3. the radioactive, toxic, explosive or other hazardous properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof
4. 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.
5. 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.

5. General Conditions

5.1 VALUATION CLAUSE:

1. Home contents and personal effects (other than listed in b) and c) below) must be valued at the new replacement cost.
2. Clothing, antiques, fine arts, boats, motorcycles, cycles and trailers must be valued at their market value.
3. Documents must be valued at the new stationery cost.
4. Data storage media must be valued at the cost of new blank media.

5.2 AVERAGE CLAUSE:

Failure to insure The Property Covered for the correct Sum Insured will result in any claim for loss or damage being limited to a proportion of the loss that the Sum Insured bears to the total value of all of the Property Covered.

5.3 PAIRS AND SETS CLAUSE:

Where any item is part of a pair or set We will only pay for the actual parts, which are lost or damaged. No payments will be made for articles that are not damaged.

5.4 DISCLOSURE:

If any information is misrepresented the policy may be invalidated or result in certain covers not operating fully and the policyholder may not be entitled to a refund of premium. If You are in any doubt as to whether information is important, please contact NSIP Ltd.

5.5 LAW APPLICABLE:

Unless the parties have agreed otherwise in writing any dispute concerning the interpretation of the Policy shall be governed and construed in accordance with English law and shall be resolved within the exclusive jurisdiction of the courts of England and Wales.

5.6 OTHER INSURANCE:

If at the time of any loss or damage there is any other insurance in force this insurance shall only respond to the extent that the loss or damage is not recoverable under the other insurance.

5.7 BASIS OF SETTLEMENT:

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:

1. the new replacement cost of any home contents and personal effects other than listed in b) and c) below.
2. the market value of any clothing, antiques, fine arts, boats, motorcycles, cycles and trailers.
3. the cost of documents as new stationery.
4. the cost of data storage media as new blank data storage media.

5.8 CLAIMS NOTIFICATION:

Failure to comply with the following requirement will result in a claim being rejected and all benefit under this policy will be lost unless such failure has not prejudiced the investigation, defence or mitigation of the claim:-

In the event of loss or damage which may give rise to a claim under this insurance:

1. You must take all measures under your control to minimise any loss, and
2. full details of any losses and/or damages incurred must be notified to NSIP Ltd within 7 days of You first being aware of any loss or damage.

See 7. Claims Procedure for contact details.

5.9 FRAUD:

If any claim under this insurance is in any respect fraudulent, all benefit under this insurance will be lost, the policy will be invalid and the Policyholder will not be entitled to a refund of premium.

5.10 CANCELLATION:

We may cancel cover at any time by giving 30 days notice to that effect in writing by pre-paid letter post to  the Policyholder's last known address.  The Policyholder may cancel cover at any time after the initial minimum cover period of 28 days by selecting the ‘Cancel’ option in the ‘My account’ section of the NSIP website and following the on-screen instructions. In either case provided the Policyholder has not made a claim the Policyholder will be entitled to a refund of premium for the remainder of the Period of Insurance shown in the Confirmation of Insurance.

6. Complaints Procedure

If You believe that We have not delivered the service You expected, We want to hear from You so that We can try to put things right. If You have cause for complaint You should initially contact NSIP or the manager of RSA at the address shown on Your quotation or schedule, as appropriate. In the unlikely event that they are unable to resolve Your concerns, Your complaint will be referred to Our Customer Relations Team who will arrange for an investigation on behalf of Our Chief Executive.

If they cannot resolve the matter to Your satisfaction, they will provide You with Our final response so that You can, if You wish, refer the matter to the Financial Ombudsman Service. This does not affect Your right to take legal action.

RSA

Customer Relations Team

PO Box 255

Wymondham

NR14 8DP

crt.halifax@uk.rsagroup.com

 

Financial Ombudsman Service

Exchange Tower

Harbour Exchange Square

London

E14 9SR

 

7. Policyholder's Claims Procedure

Select the ‘Make a Claim’ option on the NSIP website and follow the on screen instructions.

To help Us deal with Your claim, You must:

• not throw away any damaged items before We have had chance to inspect them
•  provide us with the following information if requested:

1. original purchase receipts, valuations, and photographs of more expensive items
2. provide repair estimates for any damaged items
3. for damaged items, confirmation by a qualified expert that the item You are claiming for is damaged beyond repair.

8. Fair Processing Notice

How We Use Policyholder's Information

Please read the following carefully as it contains important information relating to the details that the Policyholder has given Us. You should show this notice to any other party related to this insurance.

Who We Are

This product is underwritten by Royal & Sun Alliance Insurance plc.

The Policyholder is giving information to Royal & Sun Alliance Insurance plc, which is a member of RSA Group of companies (the Group). In this information statement, We Us and Our refers to the Group unless otherwise stated.

How the Policyholder's information will be used and who We share it with

Your information comprises of all the details We hold about the Policyholder and the Policyholder's transactions and includes information obtained from third parties.

If You contact Us electronically, We may collect the Policyholder's information identifier, e.g. Internet Protocol (IP) Address or telephone number supplied by the Service Provider.

We may use and share the Policyholder's information with other members of the Group to help Us and them:

• Assess financial and insurance risks;
• Recover debt;
• Prevent and detect crime;
• Develop Our services, systems and relationships with the Policyholder ;
• Understand Our customers' requirements;
• Develop and test products and services

We do not disclose the Policyholder's information to anyone outside the Group except:

• Where We have the Policyholder's permission; or
• Where We are required or permitted to do so by law; or
• To credit reference and fraud prevention agencies and other companies that provide a service to Us, Our partners or the Policyholder ; or
• Where We may transfer rights and obligations under this agreement.

We may transfer Your information to other countries on the basis that anyone We pass it to, provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which the Policyholder provided it. Details of the companies and countries involved can be provided on request.

From time to time We may change the way We use the Policyholder's information. Where We believe  the Policyholder may not reasonably expect such a change We shall write to the Policyholder . If the Policyholder does not object,  the Policyholder will consent to that change.

We will not keep  the Policyholder's information for longer than is necessary.

Sensitive Information

Some of the information We ask the Policyholder for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about the Policyholder or others except for the specific purpose for which the Policyholder provides it and to carry out the services described in the Policyholder's policy documents.  The Policyholder should ensure that they only provide Us with sensitive information about other people with their agreement.

How to contact Us

On payment of a small fee, the Policyholder is entitled to receive a copy of the information We hold about them. If the Policyholder has any questions, or the Policyholder would like to find out more about this notice   the Policyholder can write to: Data Protection Liaison Officer, Customer Relations Office, RSA, Bowling Mill, Dean Clough Industrial Estate, Halifax HX3 5WA.

Royal & Sun Alliance Insurance plc (No. 93792) authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).

Royal & Sun Alliance Insurance plc registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL.

9. Notification of Change in Premium and/or Insurance Premium Tax

We reserve the right to change our product's prices at any time without further notice including but not limited to premiums, Insurance Premium Tax and credit/debit card fees. However, We will endeavour to notify all customers of any price change in advance of the next payment being processed.

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