The insurance covers all risk of loss or damage to household goods, furniture and effects – subject to certain provisions and exclusions which are listed below. The detailed clauses and conditions applicable to the insurance are available on request. Coverage applies from the time the goods are collected from the named address and continues during the ordinary course of transit until delivered by the carrier and/or it’s agents to the domicile or stored at the named destination.
In the case of household goods: 120 Days total at origin and/or destinations. Thereafter the insurance can be extended upon application to the carrier and payment of an additional premium. In the case of motor vehicles: 60 days at origin 30 days at destination NOTE: It is your responsibility to apply for any extensions to the above periods; an application form is enclosed in this packet
In the case of household goods:
In the case of motor vehicles:
NOTE: It is your responsibility to apply for any extensions to the above periods; an application form is enclosed in this packet
In addition to the insurance on the household goods, insurance is offered for charges you have paid to the carrier only in the event of total loss of the whole consignment.
CLAIMS
In the event of loss or damage, full details of the claim must be provided within 30 days. The actual claim must follow within 90 days. Details of the claim procedure are shown below.
In the event of a claim, you must notify NorthAmerican International immediately and send the following documents:
Completed claim form
Claims can either be filled out online via the NorthAmerican International website or sent via fax or mail to:
NorthAmerican International Marine Insurance Dept.
P.O. Box 4403
Chicago, IL 60680
Phone: 630-570-3009
FAX: 630-570-3346
PROPERTY COVERED
Household Goods and Personal Effects, Antiques, Fine Art, Automobiles, Boats, Motorcycles, Campers and Trailers as declared and valued on the Valued Inventory form.
CLAIMS PROCEDURE
In the event of a claim, you must immediately notify the Claims Center shown below, and submit the following documents:
In the event of short delivery of any packages or damage to the packages seen on arrival, please notify – in writing – the Carrier who made the delivery. Under no circumstances – except under written protest – should you give a clean receipt if goods are in questionable condition.
Please send your claim to:
NorthAmerican International CLAIMS CENTER
P.O. BOX 4403
CHICAGO, IL 60680 U.S.A.
COVERAGE
All risks of physical loss or damage subject to the version of the following London Institute Clauses Current at the time of commencement of transit:
Cargo (A), War, Strikes, Classification, Insolvency Exclusion Amendment, Radioactive Contamination Exclusion. For the purposes of general average contribution and salvage charges recoverable hereunder, the effects insured will be deemed to be insured for their full contributory value.
EXCLUSIONS
This Insurance does not cover:
Physical loss or damage to the storage devices,
Reasonable costs insured in reinstating the data contained within such device, following physical loss or damage in a) above. The indemnity under this clause is limited to $150 per any one storage device, excluding claims arising from unexplained loss of data and/or magnetic disturbance.
GENERAL CONDITION
Antiques and fine art, automobiles, campers, boats, motorcycles, and trailers must be valued at their replacement cost at destination, taking into account costs of duties, shipping, and carriage charges.
100% CO-INSURANCE CLAUSE: If you fail to insure for the full replacement value of goods at destination for your entire shipment, you will be entitled to recover from Underwriters only the proportion of the loss as the declared value bears to the total value of the property you shipped.
PAIRS & SETS CLAUSE: Where any item is part of a pair or set, Underwriters will pay only for the actual parts which are lost or damaged. No payments will be made for articles that are not damaged, unless additional insurance is purchased.