This document outlines the key features, benefits, and restrictions of the insurance offered under the Fiducia MGA Co Ltd Single Shipment Cargo Policy. For a complete understanding of your coverage, including all terms, conditions, and exclusions, please review the full policy document available at move-easy.co.uk.
Your insurance details are specified in the policy schedule provided to you.
Coverage starts when your goods are collected for transport and ends once they are delivered to their final destination.
This policy protects against physical loss or damage to your goods during transit, including risks tied to loading and unloading. The maximum payout is detailed in your policy schedule, representing the highest amount payable under this insurance.
It covers damage caused by Customs Authorities during their inspection duties.
Duty payable on lost or damaged insured items is included, except for claims involving:
When calculating claim amounts, we’ll account for any duty rebates or refunds you may receive. We also cover damage to insured items from non-standard fumigation beyond your control.
If damage is limited to labels, wrappers, or capsules, we’ll pay for repair or replacement costs.
An excess applies to each claim, with amounts varying by job type:
The following goods are excluded:
Loss or damage resulting from:
If your goods are damaged and may result in a claim, notify us within 7 days using:
Include, where applicable:
To lodge a complaint, first contact The Fiducia MGA Co Ltd via Pat Dickinson at pat@fiduciamga.co.uk or write to the address on the policy’s back cover.
If unresolved, you may refer your complaint to:
This policy forms a legal agreement between you and us.
The policy, schedule, and any endorsements should be read together as a single document.
We will provide insurance for any period during which we’ve accepted your premium, with our liability not exceeding the sums insured or indemnity limits stated in the policy, schedule, or endorsements.
When purchasing, renewing, or amending this policy, you must accurately answer our questions and provide truthful information. For business-related policies, you must disclose all material facts. Failure to do so may void the policy, reject claims, or incur extra premiums.
Singular terms include the plural and vice versa. References to statutes include amendments or re-enactments. Headings are for reference only and don’t affect interpretation.
UK law allows both parties to choose the governing law. This contract follows the law of England and Wales, Scotland, Northern Ireland, the Isle of Man, or the Channel Islands based on your address in the schedule. If disputed, English law applies. Both parties submit to the exclusive jurisdiction of English courts.
This is a legal document—keep it safe. Review it carefully, and contact us or your broker if it doesn’t meet your needs.
Certain words in bold have specific meanings:
(Additional definitions like "terrorism," "war risks," etc., are similarly reworded but omitted here for brevity—available on request.)
You’re insured for damage to the subject-matter insured during transit as per this policy. Coverage (excluding war risks) begins when goods are first moved for loading and ends at unloading at the final destination or upon alternative use, whichever occurs first.
War risks coverage starts at loading onto a vessel or aircraft and ends at discharge or after 15 days at the destination port/airport.
Excess: £75 for furniture/general transits, £300 for home removals.
This policy excludes:
Contact Fiducia MGA Co Ltd first, then escalate to the relevant ombudsman as above.
Smart Bookings Limited t/a Move-Easy is an Appointed Representative of Eggar Forrester Insurance Limited. Eggar Forrester Insurance Limited is authorised and regulated by the Financial Conduct Authority (FCA) and their FCA registration number is 300008. You can check this on the FCA’s website www.fca.org.uk or by contacting the FCA on 0845 606 1234. The FCA is the independent watchdog that regulates financial services. This document has been designed to be given to consumers considering buying certain financial products. Use this information to decide if our services are right for you.
Eggar Forrester Insurance Limited is an independent insurance intermediary.
Eggar Forrester Insurance is a member of the British Insurance Brokers Association (BIBA).
We offer a single general insurance product from a single insurer.
You will not receive advice or a recommendation from us. We will ask certain questions prescribed by the insurer. If you are eligible for the cover, you will be provided with a quotation and will then need to make your own choice about whether or not to proceed.
It is important that you understand that any information, statements or answers made by you to us, or to your insurer, are your responsibility and must be correct.
Any inaccuracies in the information provided may invalidate your insurance in part or in whole.
Please do consult us if you are in doubt on any aspect.
The normal method of remuneration for our services is in the form of commissions payable by the Insurer from the premiums received.
We reserve the right to make an administration charge, in addition to any insurance premiums, for arranging insurance policies. These charges will be advised to you before you purchase the insurance.
When your policy is issued, you are strongly advised to read it carefully, as it is that document, along with the schedule and that is the basis of the insurance contract you have purchased.
You are responsible for paying for you insurance at the point of sale.
We do not hold client money. Insurance premiums are paid directly to Eggar Forrester Insurance who hold client money collected for onward transition to the insurer under a Non-statutory Trust in accordance with the authorisation they have from the Financial Conduct Authority to do so. They are governed by strict rules pertaining to Client money, set down by the FCA.
Where Eggar Forrester Insurance hold monies in a client bank account they may earn interest on the monies held, which they will retain. In certain circumstances client money may be transferred to third parties.
Your acceptance of this agreement constitutes your informed consent for the handling of all such monies.
Whilst it is our intention to place your insurance with a financially sound insurer, it must be understood that we cannot guarantee the solvency of any insurer or underwriter throughout the period of the insurance contract.
All personal information is treated by us as confidential and is processed in accordance with the relevant legislation. We will not use or disclose personal information without your consent, other than in the normal course of arranging or administering your insurances, except where we are compelled by law (including by regulators or law enforcement agencies) to disclose such information. In such instances personal information held by us may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to such third parties.
Under the Data Protection Act 1998, you have rights of access to any personal information we hold about you in our records.
If you have any queries concerning this, please contact us.
In order to make a claim, please contact the W K Webster & Co Ltd. Full details and instructions can be found on your Policy Schedule.
It is essential that any claim or incident which may give rise to a claim is reported to W K Webster & Co Ltd within 7 days of the transit. Late notification will result in your claim being rejected.
We believe that providing the very highest level of service is of paramount importance, and undertake to resolve any complaint you have, however large or small, in a timely manner.
If you are not satisfied how insurance was arranged for you, please contact Eggar Forrester insurance directly at insurance@eggarforrester.com. You will receive a prompt response and full details of the complaints process.
If we have not been able to resolve your complaint to your satisfaction, we will advise you in writing why this has not been possible and state when our final response can be expected.
If, after our final response has been received, you are not satisfied with the outcome and you are an eligible complainant, you may refer the matter to the Financial Ombudsman Service.
Eggar Forrester Insurance Limited are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS.
You have a right to cancel your policy up until the point at which the transit takes place.
Please refer to the policy wording for full details on how to cancel.
This is our standard Client Agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully.