Goods in Transit Insurance

Insurance and Liability

All consignments of personal effects will be insured under the Goods in Transit Policy belonging to VOGB Ltd or their subcontractors. Your selection of the third party insurance offered via VanOne website should not infringe Your right to claim under the Policy described in this section.

VOGB Ltd. in consideration of the payment of the service fee (booking deposit and the remaining balance) shall insure Your consignment against loss, destruction, damage or liability occurring at any time during the period of transit subject to the exclusions, provisions and conditions of the Policy. The Policy should be read as a contract, and the Insurance Form (packing list) made by You is the basis of the contract. The maximum We will pay under this Policy including any extensions for Any one event shall be £20.275.

Cover commences when the Property is loaded and continues until arrival at destination.
Cover includes temporary housing in the course of transit on the means of conveyance. It does not include temporary housing of Property unloaded from a vehicle at any premises owned or rented by You. Cover includes incoming supplies and Property consigned to You from addresses within the territorial limits of the European Union, UK, Switzerland, Norway, Liechtenstein, Gibraltar, Andorra, Vatican City, Monaco including sea crossings.

If owing to circumstances beyond Your control either the contract of carriage is terminated at a customs office, port or place other than the destination named therein or the transit is otherwise terminated before delivery of the goods, then this insurance shall also terminate.

What is covered?

This insurance covers all risks of loss of or damage to the Subject Matter insured except as provided in exclusions.

• Theft or attempted theft from any vehicle with signs of forced entry to the vehicle.
• Subject Matter missing from the consignment but only if it’s checked at the time of unloading, by You and the driver, against the supplied by You completed Insurance Form.
• Destruction or damage of the Subject Matter packed in bubble wrap and double walled cardboard boxes.
• Destruction or damage of the Subject Matter due to our negligence.
• The expense of transferring the Subject Matter to any other vehicle following the vehicle breakdown or collision and re-securing the Subject Matter where there is dangerous movement of the load in transit.

Exclusions – the Policy does not cover

• Subject Matter missing from the consignment reported to us after the vehicle has departed from the place of unloading.
• We will not pay for loss or damage to Property during loading, unloading of the vehicle.
• Expenses for which You are responsible in the event of service delay or the lack of service.
• We will not pay for loss or damage to packing materials, sheets, ropes, chains which belong to You.
• The Policy does not cover any loss or damage to property directly or indirectly caused by loss damage or expense caused by insufficiency or unsuitability of packing, or preparation of the Subject Matter insured.

In no case shall this insurance cover loss damage or expense caused by Brexit, pandemic, war, revolution, rebellion, riots, insurrection, strikes or lockdowns caused by any terrorist or any person acting from a political motive.

The Policy does not cover any loss or damage to Property directly or indirectly caused by delay, wilful misconduct of the Assured, loss damage or expense attributable to wilful misconduct of the Assured, ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the Subject Matter insured.

In no case shall this insurance cover loss, damage or expense arising from insolvency of VOGB Ltd or operators of the vehicle.

Any indirect or consequential loss, natural deterioration, the deterioration of Property
conveyed in frozen, chilled or insulated condition due to: faulty stowage, incorrect setting or operation of the equipment, variations in temperature, unless directly caused by fire,
accident (but not breakdown) to the conveying vehicle is not covered.

We shall not be liable for damage to premises caused by the driver carrying Your items for removal without Your assistance.

Any damages to premises must be reported to us while the driver is still present at the loading or unloading locations.

Claims

Any claims must be sent to VOGB Ltd. via the online claims form available at https://www.vanone.co.uk/contact no later than seven days of the occurrence.

In order to recover under this insurance You must have an insurable interest in the Subject Matter insured at the time of the loss and accept the Excess of £481 for which You are responsible as the first part of each claim or incident under this Policy.

In the event of claim You shall provide the Underwriters with evidence of the value of the Subject Matter. The acceptable forms of evidence are sales receipts and links to online ads promoting sales of products similar to the Subject Matter.