we also provide the following other insurance types:-

Q: Who is the policy suitable for?

A: We only provide cover for residents of England, Wales, Scotland, Channel Islands and the Isle of Man. We cannot provide cover for the residents of Northern Ireland.

Q: Who do you provide cover for?

A: We have 4 goods in transit contracts available and so depending on your circumstances one of the following policies should be suitable for you business needs. If for some reason you do not think these four contracts are not suitable for your business please contact our helpdesk.



1. Hauliers/Carriers/Couriers.



This policy protects you against liabilities assumed under statute, conditions of trading and International Convention in respect of goods the property of others.



Cover can be arranged on either an “All Risks” basis, Road Haulage Association Carriage Conditions £1300 per ton basis or on a CMR Carriage Conditions basis.



2. Furniture Removers



This policy protects you against liabilities assumed under conditions of trading in respect of goods the property of others.



Cover is arranged on an “All Risks” basis.



3. Carriage of Own Goods



This policy protects general merchandise connected with the business owned by or the responsibility of the insured, against “all risks” of loss or damage.



Cover is arranged on an “All Risks” basis.



4. Carriage of Tools



This policy protects general merchandise connected with the business owned by or the responsibility of the insured, against “all risks” or loss or damage whilst within the vehicle or overnight in a locked building.



Cover is arranged on an “All Risks” basis.

Q: Why are your rates so competitive?

A: Firstly, you should note that the cover we have provided is VERY, VERY wide so we have not cut the rates by cutting the coverage!



We are able to provide very good rates due to the fact that we have embraced cutting edge technology and by utilizing bulk purchasing powers and cutting down on unnecessary costs/expenses we can pass these savings back to our customers by way of reduced rates.

Q: Can you arrange cover for one off transits or short period transits?

A: We can only arrange cover on an annual contract - 12 months.

Q: How many vehicles can you cover at once?

A: Five (5) is the maximum number of vehicles that we can cover on this policy at one time

Q: What Geographical Area do you provide cover for?

A: Standard cover is provided within the Geographical limits of Great Britain, Northern Ireland, Republic of Ireland, the Channel Islands and Isle of Man.



On the Hauliers, Carriers and Couriers scheme cover can be extended to your liabilities in Western and Eastern Europe.

Q: What are CMR Carriage Conditions?

A: CMR applies to all movements of goods for hire or reward by a road vehicle which crosses international borders where at least one of the countries is a signatory, so all transits to or from the UK will be deemed to come under the CMR convention.

However CMR does not apply to the following types of transits:

• Postal sendings

• Funeral Consignments

• Household / Furniture Removals

• Movements between the UK & Republic of Ireland

As these conditions are imposed by law we only offer liability cover for overseas transits on this basis.

If your customer requires the cover for loss or damage to their goods we suggest that you advise them that they arrange Marine Cargo cover in their own name.

If you carry out transits into Europe please ensure you that CMR has been selected on the type of cover you require.

Q: What are Road Haulage Association Carriage Conditions (RHA)?

A: You should only choose this cover if you are a member of Road Haulage Association and you carry goods under the RHA Carriage Conditions.



Road Haulage Association Carriage Conditions limits your liability to:

• £1,300 per tonne on the gross weight of the goods actually lost, mis-delivered or damaged.



Therefore the standard insurance provided will cover you for your liability to your customers under RHA Carriage Conditions. Up to £1,300 per tonne on the gross weight of the goods you carry.

Q: What is meant by “All Risks” Cover?

A: “All Risks” cover can only be provided for goods in transit within the UK and Republic of Ireland.



“All Risks” is an insurance term which covers any risk which is:

• Fortuitous and accidental in nature and which is not inevitable

• External to the subject matter insured

• Which is proximately caused during the period that insurance cover is active.



Additional info for Hauliers Carriers & Couriers re: “All Risks”



Carriers and other bailees who contract under 'All Risks' can be held liable up to the full value of the goods carried, plus any consequential costs which may be incurred by the goods owner as a result of any loss or damage caused by the carrier.



They will not have the benefit of any monetary limitations or time limits for notifying claims other than those provided at law, under the Statute of Limitations



Please note that certain risks are specifically excluded and these are detailed in the policy wording. The policy wording is available online from the link “Policy Wording” on the homepage.

Q: Do you cover goods overnight in a locked vehicle?

A: For Carriage of Own Tools and Carriage of Own Goods the following Overnight theft Exclusion applies:



“This policy excludes loss or damage resulting from theft or attempted theft from any

unattended vehicle during the hours of 9 P.M. until collected by the Insured's driver unless

such vehicle is garaged in a securely locked building of substantial construction or a

compound which has secure walls and/or fences and securely locked gates.”



For Hauliers/Carriers/Couriers and Furniture Removers the following Overnight Exclusion and unattended vehicle applies:



No claim will be admitted for theft or attempted theft when any Vehicle is left unattended unless:-



All doors, windows and other points of access have been securely shut and locked with any security devices correctly set to operate and the keys removed and unattached or detached trailers have had anti-hitching devices put into operation.



And



between 9pm and 6am such vehicle is parked within a securely locked building of substantial construction or within a securely locked compound surrounded by secure walls and/or fences.

Q: Furniture Removers – Can I charge my customers a specific amount for insurance cover provided by this policy?

A: The insurance is for your benefit to compensate your customer should you lose or damage their goods whilst in your custody



You can tell your customer that YOU are insured should anything happen, but no insurance has been arranged in their (the customer's) name.



Please note that as with any other type of Insurance, If you sell or offer insurance to your customer under this policy, you will be deemed to be selling or giving insurance advice, which unless you are registered by the Financial Services Authority, is forbidden and could incur a hefty fine or imprisonment if discovered.

Q: I cannot find my policy documents online?

A: First please log on to your account using your email address and policy number. When you have logged into your account you will be presented with a page called “Your Details”, next to the heading “Your Details” there are two tabs, one called “Policies” the other called “Quotes”. Click on the tab named “Policies”. Scroll to the bottom of that page and you will see your eTradesman insurance policy. Click on the link “View Policy”. Once you have selected that link you will be presented with a new screen and will have a selection of options, you must then click on the “Event History” link. When you have clicked on the “Event History” you will be presented with another new screen, there will be a link that says “Show documentation for creation”, once you have selected that link a pop-up box will appear and that will list the documents available such as the Policy Schedule Statement of Fact. Next to each document there will be a link that says “view”. Click “view” and the documents will appear and you can print the documents. You can access the policy wording and policy summary from a link on the homepage, the link is called “Policy Wording”, when you click on that you will have the option to select either the policy wording or policy summary for your viewing.

Q: Can I Pay Monthly? Can I pay by Direct Debit?

A: On our Standard Annual policy, payment can either be made in full by card, or by monthly direct debit (if you are over 18). To set up a policy with direct debit instalments, you will be required to pay a deposit from a card and input your bank account details to enable us to set up your Direct Debit payments. There will be a total of eleven payments (one deposit paid to eGoodsintransit via card + ten monthly direct debit payments) for twelve months of cover.

Q: Can I pay my Direct Debit early?

A: If you wish to early settle your finance at any point you can telephone 0870 751 8137, Conister Trust Ltd c/o Panacea Finance Ltd and pay in full. To make any amendments to your policy, including an early settlement, you will need to call 4 clear working days before your next payment date.

Q: Do I get a refund of the administration fee if I cancel with the 14 day period?

A: The administration fee is related to the set up cost of the direct debit and is collected within the deposit at the time you elect to pay by direct debit. Therefore no refund will be available if you cancel at any time after accepting the terms & conditions online.

Q: I have paid six months of my Direct Debit so I don’t owe you anymore.

A: The monthly premium is not directly linked to the cost of Insurance. Your Insurance Company will have a time on risk factor when compiling cancellation rates. Therefore the amount of premium paid may not equal the amount of Insurance Cover used. Before you cancel a Direct Debit this must be taken into account.

Q: Do I get any interest back if I cancel my loan?

A: If you cancel your loan the outstanding balance of the loan is returned to the Insurance broker, as per the Consumer Credit Act any installments not paid are not liable to have interest attached. Therefore any remaining balance will be returned to the broker excluding interest.

Q: Can I change my payment date?

A: We are able to offer payment dates from the 1st to the 28th of the month. If you wish to change your payment date please call Conister Trust Ltd c/o Panacea Finance at least 4 working days before your payment is due. Please note we cannot move a payment in to the next month.

Q: What do I do if I change bank account numbers or address?

A: If you change any details relating to your direct debit you will need to go online and make the changes to the relevant eGroup web site, using your reference number. You are welcome to call your finance Company to make the changes but please be aware that your Insurance may be invalid if you do not advise your Insurance Broker. If you are changing bank details we will need 14 clear working days to send the new details to the bank. If you are unable to call us 14 days before your payment date we may need to move your payment date or take payment by credit or debit card to allow the new details to be set up. If you are changing your address you will also need to inform your broker.

Q: You haven’t applied for the Direct Debit on the correct day.

A: We will process the direct debit on the date provided at inception of your credit agreement or any alternative date you have requested, it is the banks responsibility to take the payment from your account at the correct time but we do advise that the payment may be taken with 3 days of the payment date. Should your preferred payment date be outside of the banks opening hours it will be processed on the first working day after the date.

Q: My internet statement says it has been paid but you are saying it hasn’t.

A: Your bank statement will always show a direct debit as being processed when a request is made. If the payment is rejected it will show the payment being returned to the account lower down the statement.

Q: You never sent me a mandate.

A: We operate an Audis instruction which is a paper less application to the bank. It is used by the majority of banks and companies who provide a loan facility. We understand that you may have to have two signatories or you may be a charity in which case we can supply a paper Direct Debit mandate for you to take to your bank. We will send you a copy of our terms and conditions which will have a copy of the direct debit guarantee as upheld by all banks.