Santa Fe, whom you have chosen to undertake the removal of your household goods, has arranged a special All Risk Protection Group Policy which is underwritten by the world's leading Underwriters. Santa Fe is the owner of the Group Policy.

(1) Why enroll in Santa Fe's All Risk Protection Group Policy?

(2) What does the All Risk Protection Group Policy cover and what does it exclude?

This Group Policy offers you "All Risk" coverage on a Door to Door basis, subject to the terms and conditions detailed herein.

As with any protection cover, our All Risk Protection Group Policy has incorporated a number of Exclusions which are detailed in the Terms and Conditions of the policy. Please ensure that you have read and understood the terms and conditions prior to agreeing to enroll in our All Risk Protection Group Policy, to avoid unnecessary surprises should you need to make a claim.

(3) How do I enroll in Santa Fe's All Risk Protection Group Policy?

(Step 1) You will be required to complete the enclosed Enrolment Form.

(Step 2) You have two (2) ways to value your goods.

1. Use the "Lump Sum" method of valuation.
   Here, each "cubic meter" of goods is given a fixed value. You do not need to complete the valued inventory in detail. There is no need to figure out the value of small or inexpensive items because each cubic meter is allocated the same value.



2. Use the "Item by Item" method of valuation.
   Here, you will need to list and to value anything included in your shipment, under the appropriate category. Groupings can be used (e.g. 10 t-shirts at $100.00) but it assumed that each item in a grouping is equally valued (e.g. $10.00/t-shirt).
   
   Please make use of the blank spaces provided under each category. Please continue on a separate sheet of paper if necessary.
   
   Should you feel the form is too restrictive, or if you would prefer to compile your own valued list, please feel free to do so. Please note however, that you should still complete the information at the top of the form, sign and date the enrolment, before returning both documents to Santa Fe.

(Step 3) When you have completed the form, please sign and date the enrolment form prior to returning to Santa Fe.

(Step 4) You must return a copy to Santa Fe, who will then provide you with a copy to retain by yourself.

(4) Small tips about this protection coverage

• Every item you intended to move must be covered
  If you use the "Item by Item" method of valuation, every item that is being moved has to be included in your protection valuation. Underwriters cannot accept your enrolment on certain items only. This is known as Selective protection and unfairly selects against the Underwriters, who is providing cover based on a wide spread of risks associated with household goods.



• Replacement cost at destination
  Your effects must be covered at the replacement retail cost at destination.
  
  It is accepted that you may have difficulty knowing the exact values at destination, but you should have a reasonably good idea of the comparable cost of living in the country to which your goods are being shipped.



• Do not undervalue your shipment
  Please note that in the event of a claim, under valuation will result in 'the application of average'' which means, for example, if you value a chair for USD100.00 but the new replacement cost at destination is USD200.00. In the event of a repairable damage claim you will be deemed to have under-valued by 50%. You would receive only 50% of the repair cost.



• It is your interest to provide as much detail as possible.
  You will need to list the quantity of each item which you will be moving (in the column marked 'QTY') and enter the value of the item(s) in the column adjacent. For example, if you have 10 chairs in the dining room valued at US$100.00 each you should write:
  
  QTY      ARTICLE            VALUE
    10          Chairs          US$1,000.00
  
  However, if 2 of the chairs are worth, for example US$200.00 each, then you should list, and if possible identify them separately as follows:
  
  QTY      ARTICLE            VALUE
    8      Chairs (dining)    US$800.00
    2      Chairs (carver)    US$400.00
  
  Once you have listed all items, total the values in each column to produce a grand total.



• Declare your high value items
  High value items are not normally shipped in a household goods shipment so any items valued at over US$1,500.00 per item or set must be specially declared and valued.
  
  Please note that Underwriters of our All Risk Protection Group Policy may require proof of ownership and/or value of any items claimed missing or damaged.



• Storage coverage extension
  Your coverage under our All Risk Protection Group Policy begins from the time your goods are professionally packed at your residence and continues during the ordinary course of transit, including customary transshipment, until the goods are finally delivered to your residence. Our All Risk Protection Group Policy includes free coverage on any interim storage coverage for up to 90 days at warehouse at origin and for up to 90 days after arrival at warehouse at destination.
  
  It is important any requests for further storage coverage extension, beyond the free 90 days period, are made to Santa Fe prior to the expiry of the 90 days period.
  
  Please note there is no free storage coverage period for storage shipments, local moves, local office moves or origin packing shipments.

(5) What happens if my covered goods are lost or damaged in transit?

(6) EXCLUSIONS