Apprehensiveabout moving home Switch to AXA for a relaxed relocation
Whether you are relocating to another country, leaving for a new city or just moving down the road, protect your possessions from the moment packing commences at origin right up to the time they are unpacked on arrival at your new home.
Relocation Plus, we offer cover for your: > Full conditions - professionally packed effects > Restricted conditions - owner packed effects > Cover for motor vehicles > Special extensions > Storage extensions
Did you know? > AXA is the largest non-life international insurer in the Gulf Region > AXA Gulf has more than 80% satisfied customer > AXA Gulf has more than 500,000 customers
AXA relocation plus covers loss or damage to your possessions whilst relocating, leaving you free to complete your move in confidence.
Everything you need to help your relocation go as smoothly as possible. Relocation plus provides comprehensive insurance protection. professionally packed items are covered against loss, damage or theft from point of origin, including a period of incidental storage, right up to your final domicile.
Cover options Special extensions are available to extend the “all risks” cover to provide even wider protection than that normally offered under standard household personal effects in transit insurance.
Here is a quick summary of what makes AXA relocation plus different from the rest. Depending upon the packing, one of the following covers will apply:
Full conditions - professionally packed effects Comprehensive protection is provided for loss or damage, fire and theft for the insured effects
> Whilst being packed (including 30 days storage at packer’s premises) > The sea, air and/or land voyage > Up to 60 days after arrival or until prior delivery and unpacking at destination Restricted conditions - owner packed effects Cover is provided for loss or damage to the insured effects due to a major casualty to the carrying air, sea or land conveyance, total loss during loading and unloading plus fire, explosion, lightning, natural catastrophes and sea or river water perils.
Cover for motor vehicles Motor vehicles can be insured under similar covers as above, i.e. full or restricted conditions with insurance commencing once the car is delivered to the forwarders premises for up to a week prior to transit thence up to arrival of the vehicle at destination not exceeding 30 days at port/airport or until prior collection by the insured.
Special extensions - for personal effects Any one or combination of the following clauses can be included to your ‘full conditions’ cover, subject to an additional premium. the terms provided extend the standard cover and override other conditions in this prospectus.
> Mechanical, electrical or electronic derangement extension We will cover your personal effects for loss or damage caused by electrical, electronic or mechanical derangement provided the item is less than 6 years old and is packed as per manufacturers requirements.
> Climatic or atmospheric conditions or extremes of temperature extension We will cover up to a maximum of 75% of the sum insured attributable to mould and mildew due to climatic conditions.
> Pairs and sets extension We will pay for loss or damage to any item or items forming part of a pair or set, for a reasonable and fair reduction in the value of the pair or set, taking into consideration the importance of the affected items within the pair or set.
Storage extensions Some customers may require longer storage periods at origin and destination
Personal effects & Motor vehicles
Valuation clause: if the sum insured in respect of any article or articles is less than the market value at destination then, in the event of a claim, the amount recoverable, inclusive of reconditioning or replacement charges shall only be such proportion as the sum insured bears to the market value at destination.
Replacement clause: in the event of loss or damage to any part(s) of an insured article due a peril covered by the policy, the amount recoverable shall not exceed the proportion of the cost of replacement or repair that the insured value of the complete article bears to the current market value plus additional charges for refitting new parts if incurred.
Personal effects only
Pairs & sets clause: if any claim arises for loss or damage due to a peril covered by the policy to an article constituting an insured pair or set, no regard shall be had to any special value and amount recoverable will be calculated as though the article had been separately insured at pro-rata of insured value of the pair or set. (see special extensions to amend this exclusion)
Antiques clause: in the event of damage to antique(s), liability is restricted to the reasonable cost of repairs and no claim is recoverable for depreciation in value. in no case shall liability for such repairs exceed the sum insured in respect of the damaged article.
Simple claims reporting procedures In the event you have a loss or damage, which may involve a claim, you can contact the AXA survey and claims settling agent, details of which will be provided on every policy document.
Personal effects and motor vehicles
Wear and tear, pre-existing damages
Loss damage or expense caused by moth, vermin and gradual deterioration
Loss or damage caused by delay or any consequential loss arising therefrom
Electrical or mechanical derangement unless caused by an insured peril (see special extensions to amend this exclusion for personal effects)
Confiscation or detention by customs authorities
The first us$ 150 of any claim
Personal effects only
Trunks, suitcases or similar items unless they are packed in an outer container