All goods arrive with an official manufacturer’s guarantee, this insurance alternative is added security against accidental loss, theft or damage.
Our insurance policy option is available for UK customers only, the insurance is offered by T H March, the company has specialised in Insurance for the Jewellery trade since 1887.
WHAT DOES THIS INSURANCE COVER?
The insurance covers you against damage loss or theft. Things are insured Nation wide and around 30 days abroad every year that the insurance functions, in case that you would like to file a claim and that the claim is accepted, you won’t need to pay any fees.
WHAT Isn’t COVERED UNDER THIS INSURANCE
Any person who isn’t a UK resident unless being carried by the person stolen from renovation and cleaning, any reduction in wear and tear, gradual deterioration, electrical or mechanical breakdown or an unattended vehicle.
Insurance is available for watches with just one value not exceeding up thing, or jewellery # 1,500 . The maximum total of T H March Insurance certificates cannot exceed #10,000 in total.
For full Terms & Conditions please see the T.H March terms and conditions below.
RETURNING AN ORDER WITH INSURANCE POLICY APPLIED
If you pick an insurance choice when placing your purchase, and decide you do not want to have the item, you have to send back the item within 14 days of order thus we’re ready to cancel your insurance policy policy; please read our Returns Policy.
TERMS & CONDITIONS
March Guard that the Jewellery insurance effected 10/12 Ely Place, through T H March & Co Limited, London, EC1N 6RY. This insurance coverage is only available in relation to the purchase price of the items to be guaranteed.
This is to certify that this insurance is underwritten by certain Underwriters at Lloyd’s and led by S.A. Meacock and Others, Syndicate 727, in compliance with the authorisation given to the undersigned under contract number UMRB0600A1612823 or some subsequent upgrading contract. The Underwriters’ obligations under this insurance are several and not joint and are limited solely to the extent of their individual subscriptions. Each subscribing Underwriter isn’t liable for the subscription of any Underwriter who for whatever reason doesn’t meet a part or all of their duties.
Despite payment of the premium stated on the connected purchase receipt the Underwriters agree issue to the stipulations of the insurance to REPAIR if unintentionally damaged during the period of insurance, or REPLACE if stolen, lost or damaged beyond repair during the period of insurance, as the items described on the attached price receipt, whilst anyplace within the Geographical Limits mentioned below.
This policy doesn’t induce the Assured into a cash settlement in case of a claim.
As shown on the purchase price.
The Purchaser or Owner address and whose name is shown on the purchase price.
This insurance could be cancelled within fourteen (14) days of beginning of cover provided the certificate of insurance and buy receipt are returned to the issuing Jeweller within this age and no claim has been made.
ThIS INSURANCE IS NOT RENEWABLE.
Cover beyond the period of the insurance could be arranged through T H March & Co Limited or via www.thmarch.co.uk
If You Would like to make a complaint you may do so anytime by referring the issue to either: The Client Services Department,
T H March & Co Limited, Hare Park House, Yelverton Business Park, Yelverton, Devon, PL20 7LS.
Tel: 01822 855555 Fax: 01822 855566 E-mail: email@example.com
Or the complaints staff in Lloyd’s: Complaints Lloyd’s, 1 Lime Street, London, EC3M 7HA.
Tel: 020 7327 5693 Fax: 020 7327 5225 E-mail: firstname.lastname@example.org Website: www.lloyds.com/complaints
Details of Lloyd’s complaints processes are set out in a leaflet “Your Complaint – How We Can Help” available at www.lloyds.com/complaints and will also be available from the above mentioned address. In the event you stay dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS). The contact information for your FOS are: The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Tel: 0800 023 4567 (calls to this number are free from “predetermined lines” from the UK) or even 0300 123 9123 (calls to this number are charged at exactly the exact same speed as 01 and 02 numbers on mobile phone tariffs from the UK). Email: email@example.com
T H March & Co Limited is licensed and regulated by the Financial Conduct Authority.
Underwriters at Lloyd’s regulated by the Prudential Regulation Authority along with the Financial Conduct Authority and are authorised from the Prudential Regulation Authority. Further details are found on the Financial Services Register in www.fca.org.uk/register
FINANCIAL SERVICES COMPENSATION SCHEME
Underwriters at Lloyd’s are members of the Financial Services Compensation Scheme. If the Underwriters cannot meet their duties under this arrangement to you you may qualify for compensation. In case you were eligible for compensation under the Scheme, the level and extent of the compensation would be based on the character of the contract. Further Information about the scheme is available in the Financial Services Compensation Scheme 10th Floor, Beaufort House, 15 St. Botolph Street, London EC3A 7QU.
Website: www.fscs.org.uk Tel: 0800 678 1100 or 020 7741 4100
Anywhere in the United Kingdom (including the Isle of Man and the Channel Islands), also around thirty (30) consecutive occasions elsewhere.
1. Any individual item of jewellery exceeding #5,000 in value or some other watch surpassing #1,500 in value.
2. Any Insured person not resident in the United Kingdom.
3. Any thing written of brittle material.
4. Any reductions from baggage, clothes or other belongings unless such baggage, clothing or belonging is being carried by hand or worn with the Assured or by another person to whom the item has been contributed by that the Assured as a gift.
5. Any thing stolen in an unattended motor vehicle.
6. Any cost of replacement or repair that would enhance an item prior to the event.
7. Any loss or harm caused by:
1(I) the actions of electrical or mechanical breakdown (in the case of a watch or a clock),
(ii) the activities of moth, vermin, gradual deterioration, wear and tear or design flaw, or
(iii) the process of cleaning, renovation or repair.
8. Any loss or legal liability whatsoever arising from:
1(i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of
(ii)the radioactive, toxic, or other hazardous properties of any explosive nuclear assembly or its component parts.
9. Any damage or loss arising from:
(i) war, invasion, act of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection,
Acts of military or usurped authority,
(ii) confiscation, nationalisation or requisition or destruction of or damage to property by or under the order of any government or even
public or local jurisdiction.
1. All replacements and repairs must be carried out from the Jeweller.
2. The cost of substitute or replacement won’t exceed the cost as shown on the purchase receipt, unless a replacement cost is also shown on the purchase price in the event the maximum payment shall not exceed the substitute cost paid for a product.
3. After the Underwriter settles a claim for the replacement of a product, or where the sum insured is consumed in its repair, the premium for this thing will be deemed to have been used along with pay on that thing will stop with immediate effect.
4. All steps must be taken maintain the items and to avoid damage or loss.
5. The Underwriter may cancel this certificate by providing thirty (30) days notice of such cancellation in writing to the Assured in their last known address and the top will be adjusted on the grounds of the Underwriter receiving or keeping the proper proportionate premium. This will only be done for a valid reason like: -•
Non-payment of premium
Non co-operation or failure to supply instruction asked
6. This insurance shall be governed by the laws of England, unless agreed in writing by the Underwriters and subject to the jurisdiction of the UK Courts.
GENERAL CLAIMS CONDITIONS
1. There’s absolutely no liability under this certificate where you (the insurance company) are eligible to obtain payment under some other insurance EXCEPT in regard to any excess beyond the amount which would have been insured under such other insurance had this insurance not been effected.
2. In case you (the Assured) make any claim knowing it to be false or deceptive in regard to any loss or the amount involved, this claim may be diminished and future claims made under it might be sacrificed.
In the event you want to make a claim under this certificate contact the Jeweller that issued this certificate to inform the reduction at your earliest opportunity and within thirty (30) days in any occasion. Furthermore, you always have to notify law enforcement, even when abroad, of any loss caused by theft or even the disappearance of an merchandise and receive a crime reference/lost real estate number where one is issued, and you need to offer that the Jeweller (or some other person appointed by the Underwriters) with some information, documentation, or evidence of the reduction. Failure to abide by these requirements could lead to the claim being refused.
Your Jeweller will ask you to complete a claim form about the circumstances of the reduction. Your claim will be passed to the Underwriters and should they decide that a guaranteed loss has occurred and settlement is agreed with the Underwriters, your Jeweller will either replace a missing thing from stock or order for a damaged item to be mended and the bill for repair/replacement is going to be transmitted into T H March for settlement direct with your Jeweller.
If you’re not happy with the way that your claim is being handled you ought to stick to the process shown overleaf to create your complaint.
You need to understand that any info you’ve supplied will be processed by telling us, in compliance with the conditions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to other parties.