Relocations Plus

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Our essential SME insurance products

Apprehensive about moving home Switch 
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 - professionnally 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


Our essential SME insurance products

Relocation plus Switch

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.


Relocations Plus

Full conditions - professionally packed effects


Restricted conditions - owner packed effects


Cover for motor vehicles


Special extensions - for personal effects


Storage extensions



Our essential SME insurance products

A guide to your cover Switch

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 
> The sea, air and/or land voyage
> Up to 60 days after arrival or until prior delivery and unpacking at 
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 destinati

Other conditions

Personal effects & Motor vehicles

  1. 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.
  2. 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

  1. 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)
  2. 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.

Main exclusions

Personal effects and motor vehicles

  1. Wear and tear, pre-existing damages
  2. Loss damage or expense caused by moth, vermin and gradual deterioration
  3. Loss or damage caused by delay or any consequential loss arising therefrom
  4. Electrical or mechanical derangement unless caused by an insured peril (see special extensions to amend this exclusion for personal effects)
  5. Confiscation or detention by customs authorities
  6. The first us$ 150 of any claim


Personal effects only

  1. Trunks, suitcases or similar items unless they are packed in an outer container
  2. Bank notes, shares, bonds, deeds, jewellery, stamps/coin collections, securities, negotiable instruments
  3. Loss or damage due to climatic/atmospheric conditions or extremes of temperatures (see special extensions to amend this exclusion)


Motor vehicles only

  1. Vehicles exceeding 10 years of age
  2. Rust oxidation and discolouration unless caused by direct contact with seawater
  3. Any loss or damage to the insured vehicle whilst it is on tow or under its own power, unless whilst being driven onto or off the vessel or into or out of the shipping container
  4. Freezing of water in the radiator and/or cooling system
  5. All liabilities to third parties howsoever caused
  6. Loss of spare parts, tool kits and radios unless lost with the complete vehicle



Our essential SME insurance products

Key benefits Switch

Instant cover
Applying for AXA relocation plus is simple. you can be covered immediately from the time that the proposal form application is accepted by AXA or our appointed agents.

800 48 45

Sun to Wed 8am to 8pm
Thu to Sat 8am to 5am

Building 11 A&B, National Consultative Council Complex,
Delma Street, (Street No. 13)
Al Nahyan Camp Area

Telephone: +971 2 495 79 99

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