Unless specifically agreed in writing by the Underwriters this insurance shall be governed by the laws of England and subject to the exclusive jurisdiction of the UK Courts. If you are unhappy with the way your claim is being handled you should follow the procedure shown overleaf to make your complaint.

ii)the radioactive, toxic, or other hazardous properties of any explosive nuclear assembly or its component parts. Anywhere in the United Kingdom (including the Isle of Man and the Channel Islands), plus up to thirty (30) consecutive days elsewhere. In the unlikely event that you may wish to make a complaint, this should be directed to T H March. The complaints procedure is detailed in your insurance documentation.It is important you read the certificate as this details the terms, conditions and any restrictions in cover. Any insured person who is not a UK resident, loss from baggage unless being carried by the insured person, any items stolen from an unattended vehicle, any loss from wear and tear, gradual deterioration, mechanical or electrical breakdown or cleaning and renovation.

Any losses from baggage, clothing or other belongings unless such baggage, clothing or belonging is being carried by hand or worn by the Assured or by any other person to whom the Assured has given the insured item as a gift. Underwriters at Lloyd’s are members of the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if the Underwriters are unable to meet their obligations to you under this contract. If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further Information about the scheme is available from the Financial Services Compensation Scheme 10th Floor, Beaufort House, 15 St. Botolph Street, London EC3A 7QU. Cover beyond the period of this insurance may be arranged through T H March & Co Limited or via www.thmarch.co.uk If you (the Assured) make any claim knowing it to be false or fraudulent in respect of any loss or the amount involved, this claim could be declined and all future claims made under it could be forfeited.When the Underwriter settles a claim for the replacement of an item, or where the sum insured is used up in its repair, the premium for that item will be deemed to have been utilised and all cover on that item will cease with immediate effect.