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Transit Protection

Below are all the details about our policies, additional coverage options, information about how to file a claim and our Transit Protection Information & Application Pack.

Why purchase Transit Protection?

Even the most careful driver, who has taken every precaution to minimize the chances of having an accident, realizes the risks associated with operating a motor vehicle. Some of these risks, such as accidents caused by the actions of other motorists, are outside the direct control of that careful driver. This is why even the most careful and especially professional drivers carry protection.

In the same way, Crown staff, and their service partners, are careful and professional in their approach to minimizing the risks of loss and damage on your shipment. However, it is important to recognize that there are still risks during transit. This is why we recommend that you protect your shipment properly with a CrownCare Transit Protection Policy.

Your personal insurance policies (homeowners, renters or automobile policies) likely provide very limited, if any, coverage for your goods while they are in transit or located in a foreign country.

What will this policy cover?

This policy offers "All Risks" coverage from door to door. This will cover partial loss or damage of a shipment, including damage due to riots, war and terrorism at sea and in the air, and breakage, should it occur. It will also cover damage incurred while your belongings are in interim storage at either the origin or the destination warehouse. Stored goods will be covered for up to 60 days at no additional cost under the policy. Additional coverage, if your goods are stored for more than 60 days, is available at a nominal cost per month.

While the policy covers most risks associated with transit, additional protection for the following risks can be added to your policy for a small premium.

Mold and Mildew

The standard protection policy does not cover your belongings for loss or damage caused by a change in atmospheric conditions (such as humidity) during the course of transit that might lead to mold or mildew. Purchase of this coverage will extend your basic policy to include mold or mildew-based damage. This coverage option is only available if your goods have been professionally packed.

This option is only available if your goods are professionally packed and reimbursement is limited to 75% of the insured value of the shipment.

Pairs and Sets Coverage

When a damaged item is part of a pair or a set, the policy only covers the replacement or repair of the specific item that has sustained loss or damage

Example: A three-piece furniture set, comprised of one sofa and two chairs, is included in your shipment. One of the chairs is damaged and requires upholstering. Payment will only be made for the cost of repair to the damaged article, with no consideration for a possible reduction in value of the set.

Example: If an item from a pair or set were lost, payment would be made only for the lost item with no consideration given to the possible reduction in value of the pair or set.

It will not cover any depreciated value as a result of the damaged/missing piece or the possible replacement of the entire set.

If you purchase this coverage, in the event of loss or damage to any item or items forming a pair or set, consideration will now be given for thefair reduction in value of the pair or set, taking into consideration the importance of the lost or damaged item to the pair or set.

Electronic or Mechanical Derangement

From time to time, an electronic or mechanically operated item will prove to be inoperable upon arriving at its destination. Unless there are clear signs of damage to the exterior of the item or its shipping container, however, the standard policy will not cover this loss. This situation appears most frequently with computer equipment, stereo systems or other devices where intricate components or circuitry are affected by the constant motion of an international shipment.

Purchasing this further coverage option extends your standard policy to include those items without visible damage, assuming they have been professionally packed and are less than six years old. The packing crew must also check that the item(s) are functioning properly at the time of packing.

How do I arrange this coverage?

Simply fill in the CrownCare Transit Protection Application Form, sign it and return it to you Crown Consultant before your personal belongings are picked up.

How do I determine the amount of coverage I will need?

There are two standard options to choose from:

  1. Provide a full and detailed inventory of all your household goods and value them at the amount it would cost to replace them at your destination. You may use either the form provided on the application or, should that prove to be too restrictive, you may simply compile an extremely detailed list which you will attach to your signed application. Please note that ANYTHING NOT DECLARED ON THE INVENTORY FORM IS NOT COVERED BY THIS POLICY.

    While the value of shipments can vary greatly, a minimum guideline is US$10 per pound or US$2475 per cubic meter. Our Crown Consultant will be pleased to assist you in determining the proper valuation for your shipment.
  2. An alternative way to providing a detailed, valued inventory of your goods is to declare a lump sum valuation on your shipment.

    The lump sum replacement value must not be less than US$12 per pound or US$2750 per cubic meter of your shipment’ net weight or volume, plus a replacement value listing of any items worth US$1500 or greater.

    Please refer to our Crown Consultant to assist you in properly valuing your shipment if you choose a lump sum value declaration.

What if my goods are stored at the origin or the destination?

The policy includes up to 60 days storage protection at origin and at destination, provided that the shipment is stored in an enclosed commercial warehouse approved by Crown. It is also possible to obtain an extension of this initial period for an additional premium. Please note that coverage cannot be extended if your shipment is placed in a self-storage warehouse.

What should I do if I have a claim?

Should you note any issues upon delivery that fall under your CrownCare Transit Protection coverage, notify your coordinator immediately and they will provide you with a claim form and instructions to follow for completion of your claim.

A few do’s and don’ts

DO:

  • Insure your goods for their replacement retail cost in your destination country, not the origin country.
  • List EVERYTHING you want covered by the policy.
  • Be as detailed as possible when compiling your inventory.

You will need to list the quantity of each item which you will be moving and enter the value of the item(s). For example, if you have 10 pictures in the dining room valued at $1000 each you should write:

  Article No. Value
Paintings 10 $10,000

However, if 2 of the paintings are worth, for example $2000 each, then you should list, and if possible, identify them separately as follows:

  Article No. Value
Paintings (prints) 8 $8,000
Paintings (originals) 2 $4,000
  • Complete and sign the bottom portion of the application, even if you will not be purchasing protection through Crown Relocations, so we can be certain of your intent.

DON’T:

  • Undervalue your goods—if you do, you will be subject to "the application of average" in the event of a claim, meaning that the value of your claim will likely be scaled down.

There is a common misconception that you may select any valuation amount you desire and your goods will be protected to the selected level. This is true if you sustain a total loss but not if you sustain a partial loss.

If the replacement cost of your goods equals $100,000 and you choose to only declare a value of $50,000 coverage will only accept responsibility as defined below:

  1. In the event of a total loss coverage will be responsible for no more than $50,000.
  2. In the event of a partial loss coverage will only be responsible for an amount proportional to the degree you undervalued your shipment.

Example: Your shipment suffers a loss of $10,000. We are only responsible for 50% of the loss ($5000) as you only protected your goods for 50% of their total value.

Don’t Include jewelry, furs, precious stones valued at more than US$5,000 total.

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