Terms of insurance

TERMS OF INSURANCE COVER FOR CUSTOMER GOODS

Upon receiving your instructions to do so, we have arranged insurance with American International Group UK

Limited (the "Insurer") to cover physical loss or damage to your property whilst stored with us ("Customer

Goods") on the following terms and conditions.

We would specifically draw your attention to the Theft Exclusion Clause should you be using external

storage units or containers, this can be found in the Excluded Clauses section below.

Limit of Liability Clause:

In no case shall the liability of the Insurer exceed a maximum of;

(a) The sum specified by you in your instructions to Tiger Self Storage Limited in respect of any one loss

accident or occurrence or series of losses accidents or occurrences arising out of one event or,

(b) GBP 50,000 in respect of any one loss accident or occurrence or series of losses accidents or occurrences

arising out of one event.

Furthermore. in respect of claims recoverable under the Loss Mitigation Costs and Expenses Clause below, in no

case shall the liability of the Insurer exceed a maximum of GBP 10,000 any one loss accident or occurrence or

series of losses accidents or occurrences arising out of one event.

Deductible Clause:

In respect of claims recoverable under this insurance, and unless stated to the contrary hereunder or elsewhere

in this insurance, you will bear the first, GBP 50.00 of each any every loss or occurrence.

Cooling Off Period Clause:

Customers have 14 working days from the start date of this policy to cancel the cover without penalty. You will

however, be charged a pro rata premium for the period you were on cover, however if a claim is made no return of

premium will be allowed. We will require your cancellation request in writing (by email or letter) to the self storage

warehousekeeper, and Us the Insurer. Your cancellation will only take effect upon receipt of your written

cancellation request.

Damage To Customer Goods Clause:

This insurance shall indemnify you in respect of actual physical loss and/or damage to your Customer Goods

whilst stored with Tiger Self Storage Limited at their premises and arising from fire, lightning, explosion,

earthquake, aircraft or articles dropped therefrom, riot and civil commotion, malicious damage, storm, flood, water

ingress, burst pipes and escape of water from fixed installations, impact by road vehicles and theft following

forcible and violent means of entry and /or exit from their premises.

It is condition precedent to the cover provided under this insurance that all claims resulting from theft or where

theft may reasonably be suspected shall be reported by you to the police immediately.

SelfStorageGuard

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Loss Mitigation Costs and Expenses Clause:

This insurance covers costs and expenses necessarily and reasonably incurred by you with the prior agreement

of the Insurer (which agreement may be granted retrospectively at the discretion of the Insurer) or for which you

are legally liable and which is the subject of indemnity under this insurance with the object of saving, securing,

preserving or recovering the Customer Goods in order to prevent or minimise any loss or claim which would be

recoverable under this insurance.

It is a condition precedent to the Insurer’s liability under this clause that such measures taken by you or the

Insurer shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice any rights of

either party.

The liability of the Insurer in respect of claims recoverable under this Loss Mitigation Costs and Expenses Clause

is subject to Loss Mitigation Costs and Expenses Limit specified in the Limits of Indemnity Clause above.

Average Clause:

If at the date of any loss and/or damage to the Customer Goods, such Customer Goods shall be of greater value

than the Limits of Liability stipulated, then you will be considered as being your own insurer for the difference and

you will bear a rateable share of the loss or damage accordingly.

Basis of Valuation and Claims Settlement Clause:

The basis upon which the values at risk shall be calculated by you for the purpose of declaring to Tiger Self

Storage Limited shall be the replacement cost.

At the option of Insurers, Insurers will compensate you for the cost of repairs to the damage item(s) but excluding

any depreciation in value as a result thereof,

Total losses shall be the cost of replacing the item lost on a new like for like basis or the nearest equivalent

providing the replacement item is not better than the original.

However in the case of household linen and clothing, an allowance shall be made in respect of their age, quality,

degree of use.

For documents, Insurers' liability shall be restricted to the reasonable cost of replacement or GBP 50.00 in total

for all documents whichever is the lesser.

Customer's Insurance Policy Clause:

Please note that this is an insurance policy between you and the Insurer only.Tiger Self Storage Limited shall

have no authority whatsoever to admit any liability for any loss or claim or make any promise offer payment or

amounts in respect of any loss or claim or agree any loss or claim or incur any costs or expenses in a connection

with any loss or claim in respect of which a claim is made by you under this insurance.

Pair and Sets Clause:

Where any item(s) is/are part of a pair or set, Insurers will only pay for the actual parts which are lost or damaged.

No payment will be made for articles that are not lost or damaged.

Exclusions Clause:

In no case shall Insurers indemnify you in respect of any loss damage claim liabilities and/or costs and expenses

and/or other events defined in the sub-clauses hereunder.

Confiscation Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense directly or

indirectly caused by or contributed to, by or arising from confiscation or requisition or embargo or nationalisation

or destruction by any government or public or local authority.

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Consequential Loss Exclusion:

In no case shall this insurance cover, nor shall insurers be liable for, any financial loss incurred by you and/or

your customer(s), nor any legal liability you may have in respect of any financial loss incurred, as a consequence

of and resulting directly from the physical loss of or damage to the Customer Goods.

Defamation, Libel and/or Slander Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense directly or

indirectly caused by or contributed to, by or arising from any defamation, libel and/or slander.

Embargo and Sanctions Exclusion:

The Insurer shall not be deemed to provide cover and the Insurer shall not be liable to pay any claim or provide

any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such

benefit would expose the Insurer, its parent company or its ultimate controlling entity to any sanction, prohibition

or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the

European Union or the United States of America.

Excluded Goods Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense in respect of

Excluded Goods, and/or which is directly or indirectly caused by or contributed to, by or arising from the provision

of Insured Services upon Excluded Goods.

For the purposes of this insurance, “Excluded Goods” shall mean any of the interests specified below:

1. Bullion and money or every description for example, but without prejudice to the generality of this clause;

cash, bank notes, coins, currency notes or currency of any kind

2. Stamps, vouchers, tokens and/or tickets of any kind, credit and/or debit and/or cash dispenser cards of any

kind, negotiable securities and any other documents negotiable as or equivalent to cash, and non-negotiables

for example, but without prejudice to the generality of this clause; crossed cheques

3. Livestock, bloodstock and living creatures

4. Explosives and flammable goods.

5. Watches, jewellery (costume jewellery excepted), precious stones or gems or metals or items made from or

containing such interests

6. Foodstuffs regardless of the means of packaging

7. Furs, fine art, antiques, perfumes, mobile phones, tobacco products, beers, wines and spirits and the like

which exceed a value of GBP 10,000 combined total.

8. Electronic items exceeding GBP 10,000 in combined total. Electronic items by way of example but not limited

to shall be commercial appliances and instruments, radios, televisions, computers, computer software, hard

drives, microchips, printed circuit boards, modems, monitors cameras, facsimile machine, photo copiers,

video recording units, hi-fi systems, CD players. Heavy electronics such as switchgear, turbines and

generators shall not be considered as electrical items for the purpose of this clause.

9. Any items or goods which are excluded under the terms of the contract/licence agreement you have

with Tiger Self Storage Limited.

10. Loss of data records and any data carrying media, except for blank data carrying media.

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Marine Cyber Exclusion Clause LMA5402:

This Clause shall be paramount and shall override anything in this insurance inconsistent therewith.

1. In no case shall this insurance cover any loss, damage, liability or expense directly or indirectly

caused by, or contributed to by or arising from :

1.1 the failure, error or malfunction of any computer, computer system, computer software

programme, code, or process, or any other electronic system, or

1.2 the use or operation, as a means for inflicting harm, of any computer, computer system,

computer software programme, malicious code, computer virus or process or any other

electronic system.

Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons

Exclusion:

This clause shall be paramount and shall override anything contained in this insurance inconsistent therewith.

1. In no case shall this insurance cover loss damage liability or expense directly or indirectly caused by or

contributed to, by or arising from

1.1 ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear

waste or from the combustion of nuclear fuel;

1.2 the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear

installation, reactor or other nuclear assembly or nuclear component thereof;

1.3 any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or

radioactive force or matter;

1.4 the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive

matter. The exclusion in this sub-clause does not extend to radioactive isotopes, other than nuclear

fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural,

medical, scientific or other similar peaceful purposes;

1.5 any chemical, biological, bio-chemical, or electromagnetic weapon.

Loss of Life or Personal Injury Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense directly or

indirectly caused by or contributed to, by or arising from death of or bodily injury to or illness or trauma of or any

syndrome suffered by a person or living creature.

Pollution and Contamination Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense directly or indirectly

caused by or contributed to, by or arising from any seepage and/or pollution and/or contamination and/or damage to

the environment, atmosphere, watercourse, body of water or third party, public or private property whatsoever

howsoever arising and/or any threat thereof whatsoever howsoever arising.

Public Policy Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense directly or

indirectly caused by or contributed to, by or arising from any event whatsoever in respect of which indemnity from

Insurer is contrary to public policy.

Reckless and/or Dishonest Conduct of the Assured Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense directly or

indirectly caused by or contributed to, by or arising from your reckless conduct of or any illegal trade or dishonest

or fraudulent or malicious or criminal act or omission by you.

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Theft Exclusion Clause

In respect of theft from external storage containers, Customers shall be provided with a high security padlock by the

Warehouse Keeper.

All external storage containers are fitted with “lock boxes” and the high security padlock, must secure the access doors

by using the “lock box” by the Customer. The “lock boxes” are fitted as a means of preventing tampering of the high

security pack locks.

Insurers shall not be liable to indemnify Customers, where the high security padlock provided by the Warehouse

Keeper has be incorrectly fitted to the external storage container.

Proof that high security padlocks have been fitted correctly in the “lock box” lies with the Customer, who will be required

to provide evidence beyond reasonable doubt that this has been done.

It is condition precedent to the cover provided under this section of this insurance that all claims resulting from theft or

where theft may reasonably be suspected shall be reported by the Customer to the Warehouse Keeper and police

immediately.

Third Party Property Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense to any public,

private or third party property of whatsoever description howsoever arising.

Unexplained Loss or Mysterious Disappearance Exclusion:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense directly or

indirectly caused by or contributed to, by or arising from any inventory shrinkage or unexplained loss or

mysterious disappearance of Customer Goods whilst in store including for example, but without prejudice to the

generality of this clause; any unexplained discrepancy between any records made or kept by Tiger Self Storage

Limited and any produced by you, any loss subsisting only in a profit and loss comparison or calculation, or in the

absence of satisfactory physical or recorded evidence of tampering any loss or shortage

(a) discovered upon taking inventory or preparing Customer Goods for removal from storage

and

(b) not traceable to an identifiable event.

War, Strikes and Terrorism Exclusion Clause:

In no case shall this insurance cover any actual or alleged claim loss damage liability or expense directly or

indirectly caused by or contributed to, by or arising from war, civil war, revolution, rebellion, insurrection or civil

strife arising therefrom, or any hostile act by or against a belligerent power; confiscation or expropriation; capture,

seizure, arrest, restraint or detainment and the consequences thereof or any attempt thereat; any terrorist act or

any person acting from a political or ideological motive; strikers, locked-out workmen, or person taking part in

labour disturbance, riots or civil commotions; derelict mines, torpedoes, bombs or other derelict weapons of war.

General Conditions:

This insurance is subject to the operation of all of the following sub-clauses.

Cancellation Clause:

This insurance may be cancelled at any time by the Insurer or by you provided they give thirty (30) days' notice in

writing. Notice shall run from midnight of the day of issue.

The Insurer giving notice shall receive and retain pro-rata or earned premium, whichever is the greater. The Insurer

receiving notice shall receive and retain the customary short-term or earned premium, whichever is the greater.

If any period of notice herein is prohibited or nullified by any law governing the construction of this clause, such

period shall be deemed to be amended so as permitted by such law.

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Claims Notification Clause:

In case of any occurrence or discovery likely to give rise to a loss or claim under this insurance, you must

immediately (or within 7 days of the discovery) give notice to

American International Group UK Limited, 2/8, Altyre Road, Croydon. CR9 2LG

Telephone: 0208 681 2556

Email: MarineClaimsLondon@aig.com

Quote the following,

The name of the storage company your goods are with.

The address of the storage location your goods are stored at.

The policy number – this can be provided by the storage company.

Details of the circumstances of the loss, the amount of the claim together with supporting documentation.

Contracts (Rights of Third Parties) Act 1999 Clause:

The provisions of the Contracts (Rights of Third Parties) Act 1999 do not apply to this insurance or to any certificate(s)

of insurance issued hereunder. Neither this insurance nor any certificates issued hereunder confer any benefits on any

third parties. No third party may enforce any term of this insurance or of any certificate issued hereunder.

This clause shall not affect your rights (as assignee or otherwise) or the rights of any loss payee.

Cost and Expenses Inclusive Clause:

Notwithstanding anything expressed or implied in this insurance to the contrary any and all costs and/or expenses

howsoever incurred in the mitigation investigation defence or settlement of any claim are subject to and inclusive

within the Limits of Indemnity specified above.

Duty of Disclosure Clause:

This contract of insurance is a contract of the utmost good faith. Prior to inception you must make a fair

presentation of the risk to be insured under this Policy. If you are a consumer (as defined by the Consumer

Insurance (Disclosure and Representations) Act 2012) then you have a duty to take reasonable care not to make

a misrepresentation to the Insurer. Utmost good faith is to be exercised by both you and the Insurer at all times

throughout the currency of this insurance.

If you breach your duty of fair presentation of risk (or, if applicable, you breach your duty to take reasonable care

not to make a misrepresentation to Insurer) and, but for the breach, the Insurer

(i) would not have entered into the Policy; or

(ii) would have done so only on different terms,

The Insurer will have remedies as against you as follows:

(a) The Insurer may avoid the Policy and refuse all claims if:

(i) the breach is deliberate or reckless, in which event the Insurer may retain the premium paid; or

(ii) but for the breach the Insurer's underwriter would not have entered into the Policy on any terms, in which

event the Insurer shall return the premium.

(b) In all other cases:

(i) where the Insurer's underwriter would have charged more premium, any amounts payable by the Insurer

will be scaled down to the ratio that the premium actually charged (the "Actual Premium") bears to the

premium that he would have charged to assume that risk (the "Reference Premium"); and in addition

(ii) where the Insurer's underwriter would have written the risk on different terms (other than in relation to

premium) the Policy is to be treated as if it had been entered into on those terms.

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Due Diligence of the Assured Clause:

It is a condition of the cover provided under this insurance that you must at all times in the course and conduct of

your business take all reasonable precautions and exercise reasonable care, skill, diligence and judgement.

You must take reasonable steps to prevent or minimise any loss or claim which may be recoverable under this

insurance.

General Definitions:

All words in this insurance in the singular shall include, where the context permits, the plural and vice versa.

All words importing the masculine gender only shall include the feminine gender and the words importing persons

shall include individuals, partnerships, corporations and associations.

Law and Jurisdiction Clause:

This insurance shall be governed by the laws of England and Wales and is subject to the exclusive jurisdiction of

the courts of England and Wales.

If any provision of this insurance is held to be illegal, invalid or unenforceable to any extent under the laws of

England and Wales, the legality, validity and enforceability of the remainder of this insurance shall be entirely

unaffected. Any such provision shall be regarded as having been modified by the courts of England and Wales so

that it ceases to be illegal, invalid or unenforceable and this insurance shall continue in full force and effect as

modified and its provisions shall be enforced to the greatest extent permitted by the laws of England and Wales.

Not to Inure Clause:

In no case shall this insurance inure to the benefit of any other person or firm or company or corporation or

association or concern whatsoever howsoever constituted or of their insurers and, without prejudice to the

generality of the foregoing, in no case shall this insurance inure to the benefit of any carriers bailees or sub-

contractors (whether in direct contractual relationship with you or not) or any servants agents or sub-contractors

of any of them, or of any insurers of any of them, or of any other party whatsoever.

Non-Contribution Clause:

This insurance does not cover any claim loss damage liability or expense which at the time of the happening of

such occurrence is insured by or would, but for the existence of this insurance, be insured by any other existing

insurance.

In the event of an action brought in a jurisdiction where the application of this clause would leave you uninsured

then this Non-Contribution Clause shall not apply.

Subrogation Clause:

You shall, at the request and expense of the Insurer, perform all such acts as may be required by the Insurer so

that if the Insurer pays any claim arising under this insurance any rights and/or remedies to which the Insurer

should become entitled or subrogated are upheld and enforced against any other party, and any right to relief or

indemnity to which the Insurer should become entitled or subrogated is maintained against any other party,

whether such acts shall be or become necessary or are or may be required before or after indemnification by the

Insurer of the Assured or any other claimant.

Waiver of Subrogation Clause:

Insurers agree to waive any and all rights of subrogation that Insurers have or may have against Tiger Self

Storage Limited in respect of any claim or payment made by Insurers under this insurance

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Complaint Procedure

If you feel you have not been offered a first class service please write and tell us and we will do our best to help

you resolve the problem.

We believe you deserve courteous, fair and prompt service. if there is any occasion when our service does not

meet your expectations please contact us using the appropriate contact details below and provide the policy/claim

number and the name of the assured to help us deal with your comments quicker.

Claims related complaints:

Write to: Marine Claims Department, American International Group UK Limited,

The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG

Call: +44 (0)20 8253 7419

Email: MarineClaimsLondon@aig.com

All other complaints:

Write to: Customer Relations Team, American International Group UK Limited,

The AIG Building, 2-8 Altyre Road, Croydon CR9 2LG

Call: 0800 012 1301

Email: uk.customer.relations@aig.com

Online: http://www.aig.co.uk/your-feedback

We operate a comprehensive complaint process and will do Our best to resolve any issue you may have as

quickly as possible. On occasions however, We may require up to 8 weeks to provide you with a resolution. We

will send you information outlining this process whilst keeping you informed of Our progress.

If we are unable to resolve your concerns within 8 weeks, you may be entitled to refer the complaint to the

Financial Ombudsman Service. We will provide full details of how to do this when we provide our final response

letter addressing the issues raised.

Please note that the Financial Ombudsman Service may not be able to consider a complaint if you have not

provided us with the opportunity to resolve it.

You may alternatively, if preferred, contact the Insurance Administrator :

Artur J Gallagher and/or Gallagher, 12, Museum Street, Ipswich. IP 1HT

Telephone 01473 1111

The Financial Ombudsman Service can be contacted at:

Write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Call: 0800 023 4567 or 0300 123 9 123

Email: complaint.info@financial-ombudsman.org.uk

Online: www.financial-ombudsman.org.uk

Following this complaint procedure does not affect your rights to take legal action.

If you wish to complain about an insurance policy purchased online you may be able to use the European Commission’s

Online Dispute Resolution platform, which can be found at http://ec.europa.eu/consumers/odr/. Please note, there may be

changes in your ability to pursue a UK complaint through the European Commission’s Online Dispute Resolution (ODR)

platform after 31 December 2020. Please visit the above referenced link for more information.

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Privacy Notice

How we use Personal Information

The Insurer is committed to protecting the privacy of customers, claimants and other business contacts.

“Personal Information” identifies and relates to you or other individuals (e.g. your partner or other members of

your family). If you provide Personal Information about another individual, you must (unless we agree otherwise)

inform the individual about the content of this notice and our Privacy Policy and obtain their permission (where

possible) for sharing of their Personal Information with us.

The types of Personal Information we may collect and why – Depending on our relationship with you, Personal

Information collected may include: contact information, financial information and account details, credit reference

and scoring information, sensitive information about health or medical conditions (collected with your consent

where required by applicable law) as well as other Personal Information provided by you or that we obtain in

connection with our relationship with you. Personal Information may be used for the following purposes:

• Insurance administration, e.g. communications, claims processing and payment

• Make assessments and decisions about the provision and terms of insurance and settlement of claims

• Management of our business operations and IT infrastructure

• Prevention, detection and investigation of crime, e.g. fraud and money laundering

• Establishment and defence of legal rights

• Legal and regulatory compliance (including compliance with laws and regulations outside your country of

residence)

• Monitoring and recording of telephone calls for quality, training and security purposes

• Marketing, Market research and analysis

To opt-out of any marketing communications that we may send you, contact us by e-mail at:

AIGDirect.Queries@aig.com or by writing to: Customer Support Team, The AIG Building, 2-8 Altyre Road,

Croydon, Surrey, CR9 2LG If you opt-out we may still send you other important service and administration

communications relating to the services.

Sharing of Personal Information - For the above purposes Personal Information may be shared with our group

companies and third parties (such as brokers and other insurance distribution parties, insurers and reinsurers,

credit reference agencies, healthcare professionals and other service providers). Personal Information will be

shared with other third parties (including government authorities) if required by laws or regulations. Personal

Information (including details of injuries) may be recorded on claims registers shared with other insurers. We are

required to register all third party claims for compensation relating to bodily injury to workers’ compensation

boards. We may search these registers to prevent, detect and investigate fraud or to validate your claims history

or that of any other person or property likely to be involved in the policy or claim. Personal Information may be

shared with prospective purchasers and purchasers, and transferred upon a sale of our company or transfer of

business assets.

International transfer - Due to the global nature of our business, Personal Information may be transferred to

parties located in other countries (including the United States, China, Mexico Malaysia, Philippines, Bermuda and

other countries which may have a data protection regime which is different to that in your country of residence).

When making these transfers, we will take steps to ensure that your Personal Information is adequately protected

and transferred in accordance with the requirements of data protection law. Further information about

international transfers is set out in our Privacy Policy (see below).

Security of Personal Information – Appropriate technical and physical security measures are used to keep your

Personal Information safe and secure. When we provide Personal Information to a third party (including our

service providers) or engage a third party to collect Personal Information on our behalf, the third party will be

selected carefully and required to use appropriate security measures.

Your rights – You have a number of rights under data protection law in connection with our use of Personal

Information. These rights may only apply in certain circumstances and are subject to certain exemptions. These

rights may include a right to access Personal Information, a right to correct inaccurate data, a right to erase data

or suspend our use of data. These rights may also include a right to transfer your data to another organisation, a

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right to object to our use of your Personal Information, a right to request that certain automated decisions we

make have human involvement, a right to withdraw consent and a right to complain to the data protection

regulator. Further information about your rights and how you may exercise them is set out in full in our Privacy

Policy (see below).

can be found in our full Privacy Policy at: https://www.aig.co.uk/privacy-policy or you may request a copy by

writing to: Data Protection Officer, American International Group UK Limited, The AIG Building, 58 Fenchurch

Terms of insurance

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