transcorp insurance documents€¦ · all you need to do is select “blanket cover”, select...

Transcorp Aust. Pty. Ltd ACN 105 391 188 ABN 97 822 949 072

29 Spencer St, West Sunshine 3020 Email: [email protected] www.transcorpremovalsandstorage.com.au

Transcorp Insurance Documents

mailto:[email protected]://www.transcorpremovalsandstorage.com.au/



Household / Office Contents Insurance The right insurance and for your peace of mind

Whether you move often or once in a life time it is critical you have the correct insurance policy to cover for unforeseen circumstances. Our insurance offers the flexibility you want, the cover you need, plus the added protection you deserve. It’s quick and easy to decide on a policy because we make the choice all about you. Just move through these simple steps (form is on the next page):

As an approved AFRA Accredited Insurance Provider your friendly sales representative can directly organize your insurance needs without the need to go to a third party broker or your insurance agent. Insurance made EASY! As part of the AFRA (Australian Furniture Removals Association), Transcorp Removals & Storage prides itself on careful removals since 1987 and may be part of the reason why we have successfully won many removal awards over the past 30+ years. Regardless, no matter how careful our professional removal teams might be, unforeseen accidents out of our control from time to time can damage your furniture. This could include events such as bad weather, atmospheric weather changes, theft, floods, collisions, fire, vehicle vibrations due to the heavy winds or road surface, train derailments or tripping hazards.

Whether you are moving around the corner or across Australia, you can purchase affordable insurance to suit your needs from Transcorp. Benefits include full replacement value or restricted cover with extended cover available for goods in our storage facilities and our rates are very competitive in the marketplace.

Note: Your competitive rates are a percentage of what you wish to cover and these rates are noted on your quote and depend on the insurance option that you select. Below is a summary explanation to easily help you complete the form on the next page.

1. Period Of Cover (Please select one):a) Transit Cover

This insurance covers your goods from Pickup Address to the Delivery Address (without storage insurance)

b) Transit with Storage ExtensionThis insurance covers your goods from Pickup Address to Delivery Address plus the period of time your goodsare in our storage facilities

c) Storage OnlyThis insurance your goods against damage while at a Transcorp managed storage facility due to flood, fire ortheft or accidental damage cause out of our control.

2. Premium (Please select one):a) Blanket Cover

Your easy & popular cover solution by selecting a single value amount you wish to insure all your itemscollectively. All you need to do is select “Blanket Cover”, select “Full Cover” and choose between “MarketValue” or “Replacement Value”. In the “Blanket Cover Amount” please select the value you would like to haveyour goods insured. With the “Blanket Cover” it is recommended (not compulsory) you list any individual itemsabove $2000 within the declaration form when completing it as well as “Valuables” overs $1000.00 in value.

b) Risk CoverRisk cover is where you can nominate “Full Cover or “Restricted Cover”. “Full Cover” insures you for mostrisks and includes during loading and unloading your goods from the vehicle as well as whilst in motion ortransit between the pickup and delivery points whereby “Restricted Cover” typically covers for less events andwhilst the vehicle is only in motion or transit. Please read the PDS for more information.

3. Risk Covered (Please select one):a) Full Cover (Most Popular)

Damage to your goods during loading, transit or in motion and whilst unloading of the truck/ container.

b) Restricted CoverDamage to goods in motion or transit in the case of the truck/container overturning, derailment, catching fire orinvolved in a collision. Please refer to your PDS (attached for full details of cover)

4. Basis of Settlement (Please select one):a) Replacement Cost cover

If your goods are lost or totally destroyed, you receive the new for old replacement cost provided the goodsare less than 10 years old.

b) Market Value coverYou receive the current market value of the goods i.e. the replacement cost less an allowance for age,condition of wear, tear and depreciation. Both covers will cover the reasonable cost of repairs.

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INSURANCE DECLARATION Date:

Risks Covered

Job Number:

Storage Only

Itemise and value your goods Use the List below to itemise the value of your goods. When estimating the value of your goods:

• If you have selected Replacement Cost cover, ensure that you estimate the cost of new goods of similar type.• If you have selected Market Value Cover, estimate the amount which your goods would be worth.

Remember that if you underestimate the value by more than 80%, the amount of your claim may be reduced.

Full Cover

Restricted Cover

Market Value

Replacement Cost

Typical Estimated Average Value or Your Value (A$) Qty

Your Value (A$)

Main Bedroom Appliances (small)Bed & MattressBedding LinenBedside LampsBooks/CDs/DVDsChest/Side TableChest of DrawersClothing GentsClothing LadiesDressing TableElectrical – RadioPhoneFloor CoveringsLuggageMirrors/PrintsSports EquipmentTelevision/StereoWardrobe

Sub-Total

Bedroom 2 Appliances (small) Bedding Linen Bed & Mattress Bedside Table Books/Magazines Chest of Drawers Clothing/Shoes Computer Desk & Chair Dressing Table Gaming Console Games Lamp Luggage Mirrors/Prints Musical Instrument Office Equipment Sports Equipment Television/Stereo Toys/Books/Games Wardrobe

Sub-Total


Bedroom 3 Appliances (small) Bedding Linen Bed & Mattress Bedside Table Books/Magazines Chest of Drawers Clothing/Shoes Computer Desk & Chair Dressing Table Gaming Console Games Lamp Luggage Mirrors/Prints Musical Instrument Office Equipment Sports Equipment Television/Stereo Toys/Books/Games

Sub-Total

Bedroom 4 Appliances (small) Bedding Linen Bed & Mattress Bedside Table Books/Magazines Chest of Drawers Clothing/Shoes Computer Desk & Chair Dressing Table Gaming Console Games Lamp Luggage Mirrors/Prints Musical Instrument Office Equipment Sports Equipment Television/Stereo Toys/Books/Games Wardrobe

Sub-Total


Study/Home Office Appliances (small) Bookcase Books/Magazines CD Player Computer (desktop) Computer (portable) Computer/Software Desk/Desk Chair Filing Cabinet Printer/Fax Rug Multimedia Devices

Sub-Total

Living/Lounge Room

Sub-Total

r

rAustralia wide storage perils ONLY of fire, lightning, aircraft, earthquake, storm and tempest, flood, water from fixed pipes or systems, riots, strikes and civil commotion, explosion and impact damage.

To select tick "Storage Only" here

Premium

Market Value Replacement Cost

Market Value

Basis of Settlement

Transit

Transit with Storage Extension

r

Kitchen

Sub-Total

Sub-Total

Appliances (small)BookcaseBooks/CDs/DVDsCoffee tableCushions

DVD Player Floor Coverings Gaming Console Games Lamps Lounge Suite Mirrors/Pictures Occasional Table Ornaments Piano/Organ Stereo Equipment Table (side) Television Entertainment Unit

Refridgerator Freeze Dishwasher Microwave Coffee Machine/Maker Kitchen Table/Chairs Cutlery Crockery/Cookware Pots & Pans

Name:

Periods CoveredSelect your required Cover:

Select a "Risk Cover

Blanket Cover(Select Full Cover)

r r

Your Value (A$) Your Value (A$)

Barry

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Specific Items Value Specified Items Value

Declaration - I declare that the above values are correct to the best of my knowledge and that I have informed the Removal Company about anything which could affect the risk. I have received a copy of the Financial Services Guide, Policy Wording and Product Disclosure Statement.

Please accept this declaration and Terms & Conditions by either signing or typing in your name

Accepted By: ………………………………………………………………………………………… Date: ......................................

Transcorp Removals & Storage is an authorised representative of Cowden (VIC) Pty Ltd which holds Australian Financial Services Licence No 245658


Your Replacement Value (A$)

Family Room Appliances (small) Armchair Bookcase Books/CDs/DVDs Coffee table Computer Computer/Software DVD Player Games/Toys Gaming Console Lounge Suite

Wall angingsRug Stereo Equipment Table Television

Sub-Total

Rumpus Room Appliances (small) Armchair Bookcase Books/CDs/DVDs Chair DVD Player Games/Toys Gaming Console Mirrors/PrintsMusical Instruments Pool/Billiard Table Rug Sofa Stereo Equipment Television

Sub-Total


Garage/Garden Shed Air Conditioner (port) Bicycle Blower/Vacuum Camping Equipment Fishing/Hunting Freezer Fridge Golf Clubs Hobby/Collections Hoses Ladder Lawn Mower Luggage Surfboard Tools, Automotive Tools, Garden Tools, General Tools, Power Tool Box Wheelbarrow Workbench

Sub-TotalTotals

Main BedroomBedroom 2Bedroom 3Bedroom 4StudyLiving/Lounge

Family RoomRumpus RoomDining RoomEntry/FoyerGarden PatioGarage/Garden Shed Specified Items


Dining Room Appliances (small) Buffet/ Cabinet Cutlery Dining Suite Dinner Set Glassware Light Fittings Mirrors/PrintsRug Table Linen

Dining TableDining ChairsCrocker

Sub-Total

Entry/Foyer Floor Coverings Hall Stand Lamps Mirrors/Prints Table

Sub-Total

BBQ & Tools Children's Dog Kennel Outdoor Furniture Pots

Sub-Total

a at o

Wall angings

Valuables: Please list and estimate the value of any antique, curio, piece of jewellery, plate, precious object, work of art, medal, money, coin, stamp, collection of items, fur, piece of precision equipment or professionally packed carton by the removal company whose value exceeds $1,000.00 in the table below. Attach a

detailed inventory if you need more space.

Our Insurance Declaration form lists most common household items under the general headings of rooms, so as to make it easier for you to list and nominate values for specific items and arrive at a total sum insured. To make this task easier for you, we have included estimated replacement values besides each item. These estimated values are approximate only and are expressed in Australian dollars and based upon Replacement values in Australia. Your own items may have significantly different replacement values and it is critical that you must satisfy yourself that the valuations are reflective of the Replacement cost of your items.

It is very important that you carefully consider whether the Recommend Average values specified are sufficient for your needs.

Kitchen

Total Insured Value

Your Value (A$) Your Value (A$)

Blanket Cover Amount




Financial Services Guide (FSG) Transcorp Removals & Storage can assist you to obtain insurance to protect your goods while they are in transit or storage. This is because we are an authorized representative of Cowden (VIC) Pty Ltd (AFSL 245658), a licensed insurance broker.

This FSG describes the insurance services that Transcorp Removals & Storage can provide to you. It also covers the charges for those services, your rights as a client and how any complaints you may have will be dealt with.

How we can help with your insurance We hold a Customer Goods in Transit and Storage insurance policy. On your behalf, we can arrange for this policy to cover you. Alternatively, you can obtain insurance from an insurance company of your own choice.

If you ask us to arrange Customer Goods in Transit and Storage insurance, we will give you a Product Disclosure Statement (PDS). This will describe the main features of the policy. You should read the PDS to decide if the policy suits your needs, objectives and financial situation before you decide whether to obtain it because we cannot advise you about your insurance needs.

Cowden (VIC) Pty Ltd is an insurance broker and is licensed to advise on and deal in General Insurance. If you need advice or your insurance needs are different from the cover available in our policy, we can refer you to Cowden (VIC) Pty Ltd on (03) 9686 6500 who will be able to assist you.

How we are paid For arranging for you to be insured under our policy, we receive the difference between the amount you pay us for your insurance and the cost of the premium we pay for the policy (which is based upon our annual turnover) and the amount we pay for claims under $2,000. The amount you pay us is based on the value of the goods we are removing or storing on your behalf.

Our staff who arrange your insurance are paid a salary. They do not receive a bonus for arranging insurance for you.

In addition, Cowden (VIC) Pty Ltd received a commission of 0-20% for arranging our policy. They do not receive anyamount when we arrange for the policy to cover you.

Complaints and disputes about our services We are a member of the Australian Furniture Removers Association (AFRA). AFRA handles all complaints or disputes about our services. Contact the Executive Director at AFRA.

AFRA may be contacted at:

Unit 6/7 Packard Avenue, BAULKHAM HILLS NSW 2153

T: 1800 671 806

If you have a concern, complaint or dispute about the policy which involves a claim, contact the Manager at Cowden (VIC) Pty Ltd on (03) 9686 6500. They will try to resolve your problem immediately. If they are unable to do so, you can request that your problem be considered by their internal dispute resolution process.

If you are not happy with their decision, you may take your complaint to the Financial Ombudsman Service Limited (FOS), an external dispute resolution. FOS can be contacted on 1300 780 808.

Professional Indemnity Insurance Cowden (VIC) Pty Ltd has professional indemnity insurance in place which covers them, their employees and Transcorp Removals & Storage for any errors or mistakes relating to our insurance services. This insurance meets the requirements of the Corporations Act and meets claims relating to us, our employees or Cowden’s employees even after they cease to act for Cowden (VIC) Pty Ltd, provided that the insurer is notified of the claim when it arises and this is done within the relevant policy period.

Privacy Statement We are committed to protecting your privacy. We use the information you provide to advise about and assist with your insurance needs. We provide your information to insurance companies and agents that provide insurance quotes and offer insurance terms to you or the companies that deal with your insurance claim (such as loss assessors and claims administrators). Your information may be given to an overseas insurer (like Lloyd’s of London) if we are seeking insurance terms from an overseas insurer, or to reinsurers who are located overseas. We will try to tell you where those companies are located at the time of advising you. We do not trade, rent or sell your information. If you do not provide us with full information, we can’t properly advise you, seek insurance terms for you, or assist with claims and you could breach your duty of disclosure. For more information about how to access the personal information we hold about you and how to have the information corrected and how to complain if you think we have breached the privacy laws, ask us for a copy of our Privacy Policy or visit our website; www.cowden.com.au under heading - Resources - sub section Forms.

Cowden (VIC) Pty Ltd holds Australian Financial Services License number 245658 and can be contacted on 03 9686 6500.

http://www.cowden.com.au/



Customer Goods in Transit and Storage

Product Disclosure Statement (PDS)

Part 1 – About Your Insurance

This Product Disclosure Statement (PDS) provides information about the main features of the Customer Goods in Transit and Storage Insurance

Why should I take out insurance? Regardless of any contractual rights you may have against your Removal Company, there are many circumstances where they will not be liable to make good any loss or damage to your goods, for example where the goods are damaged as a result of an accident that is not the Company’s fault.

Customer Goods in Transit and Storage insurance can assist to fill this gap

Who to contact about your policy Your first point of contact about the policy should be your Removal Company. If they cannot answer your enquiry, you can contact our broker for whom we are an authorised representative. Cowden (VIC) Pty Ltd can be contacted on telephone (03) 9686 6500, email [email protected], facsimile (03) 9686 3900 or letter PO Box 33044, Melbourne, VIC 3004.

Insurer A number of different insurers have combined together to provide the insurance in the Customer Goods in Transit and Storage Policy.

The first $2,000 of any claim is paid by your Removal Company.

Above this amount, the risks of fire, lightning, aircraft, earthquake, storm and tempest, flood, water from fixed pipes or systems, riots, strikes and civil commotion, explosion and impact damage while the goods are in storage are insured by CGU Insurance Limited (ABN 27 004 478 371 AFSL 238291) of 181 William Street Melbourne Vic 3000 and the rest of the transit and storage cover is insured by Zurich Australian Insurance Limited (ABN 13 000 296 640 AFSL 232507) of 505 Little Collins Street Melbourne Vic 3000.

Significant features and benefits of the policy You may select from a number of alternative types of cover available under the policy for loss or damage to your goods.

Type of Risks - You have the option of ‘Full’ or ‘Restricted’ Cover’. Full Cover insures you for most risks of loss or damage to your goods. However, Restricted Cover only insures you for accidental loss or damage which occurs as a result of:

• Fire, explosion, lightning, and flood• Overturning and/or derailment of conveyance• Collision of vessel, aircraft or conveyance• Crashing or forced landing of aircraft• Stranding, sinking, or contact of a vessel with any external

object other than water • Entry of water into any vessel, hold, container lift van or

place of storage• Discharge of goods at a port of distress• Jettison of goods from a vessel• Theft, Pilferage or Non delivery of an entire package or

item

Alternatively, if you elect cover for storage only, this insures loss or damage to your goods during storage resulting from:

• Fire, lightning;• Aircraft;• Earthquake;• Storm and tempest, flood, water from fixed pipes or

systems;• Riots, strikes and civil commotion;• Explosion and impact damage.

Basis of Settlement – You can choose to insure your goods on a “Replacement” basis or for “Market Value”. Under Replacement Cost cover, if your goods are lost or totally destroyed, you receive the new replacement cost provided the goods are less than 10 years old.

Under Market Value cover, you only receive the current market value of the goods (i.e. the replacement cost less an allowance for age, condition wear, tear and depreciation). If the goods are damaged, both covers will cover the reasonable cost of repair.

Limits and exclusions from cover The table below summarises the limits on the covers provided.

These are the major exclusions and limitations in the policy; however, there may be others. You can check the policy wording in Part 2 of the PDS for full details.

Cost of the policy The amount you pay for the insurance depends on the value of the goods being removed or stored. Other factors which determine the premium include:

• The type of insurance selected by you (market orreplacement value, transit or storage)

• The distance the goods are transported or the period forwhich the goods are stored; and

• The insurance cover selected (Full Cover or RestrictedCover risks).

The amount you pay includes any stamp duty and GST.

Our quotation for your transit insurance is firm. Your Removal Company will give you one month’s notice of any change in the storage insurance rate.

Goods Limitations/exclusions Items more than 10 years old

Market value cover unless the item is listed and value declared on your Insurance Declaration.

Computers and computer accessories Clothing Motor vehicles, caravans, boats and trailers

Market value cover only.

Office and factory goods The lesser of Market Value and Declared Value (the amount you nominate on the insurance declaration), plus insurance, packing and freight.

Pairs and sets Only the lost or damaged parts payable.

Antique(s) – Works of Art Reasonable cost of repair. Loss of Value not covered.

Owner packed cartons Restricted cover only. Maximum of $500 for non delivery of a carton unless an itemized list of contents is provided before transit commences. Damage or loss to contents excluded unless evidence of external damage to carton caused by a risk covered.

Motor vehicles being driven under their own power

Not covered unless being loaded or unloaded by your authorised representative of the Removal Company.

Valuables worth more than $1,000

Limited to a maximum of $1,000 unless specifically listed and valued in your Insurance Declaration.

Flood - Storage Not covered by the policy if caused by water from or action by the Sea, Tidal wave, Storm surge or High water.

Terrorism Transit cover only Various other risks Refer policy wording – Other

Excluded Risks.




How do I select the amount to be insured? It is important that you insure your goods for their full value. This means that you should tell us about:

• For Replacement Cost Cover – The Cost to you topurchase new replacement items of the same type andquality (with no allowance for depreciation).

• For Market Value Cover – Replacement cost less anallowance for age, condition, wear and tear, anddepreciation.

If the declared value of the goods is less than 80% of their actual value at the time of the loss or damage, the amount of the claim will be reduced in the same proportion as the declared value bears to 80% of the actual value.

How you pay for the insurance The premium will be shown on the quotation for your Contract for Removal and Storage which your Removal Company will provide to you before your goods are removed. When you accept the quotation, your Removal Company will invoice you

You pay for transit insurance when you pay your removal charges. Your Removal Company will invoice you for storage insurance at the same time as the storage charges.

Excess The amount that you receive for a claim will be reduced by $200. This is known as an excess.

Conditions Some conditions apply to your policy. Full details are set out in the policy wording in Part 2 of this PDS. The significant conditions are summarized below:

Duty of disclosure - When you apply for insurance we rely upon the information you provide to decide whether to insure you, and anyone else to be covered, and on what terms. You must answer the specific questions we ask relevant to our decision to insure you. When answering our questions you must be honest. If you do not answer all questions honestly we may reduce or refuse a claim, or cancel the policy.

If you answer our questions fraudulently, we may refuse to pay a claim and treat the policy as never having existed.

You do not have to tell us about any matter that diminishes the risk that is common knowledge, that we should know or should know in the ordinary course of our business or which we indicate we do not want to know.

Cooling off – You may return the insurance contract up 20 days after the date of the invoice for the removal, storage and insurance (the cooling off period). However you may not return the insurance contract after the commencement of the work.

To return the contract, notify the removal company within the cooling off period. Any premium paid will be returned. The notification can be made by telephone or posted to the address detailed on the removal contract or invoice.

What do I do if I need to make a claim? The policy wording in Part 2 of this PDS has detailed instructions about how to make a claim.

Financial claims scheme You may be entitled to payment under the financial claims scheme in the event that CGU Insurance Limited or Zurich Australian Insurance Limited become insolvent. Access to the scheme is subject to eligibility criteria. Information about the scheme can be obtained from the Australian Prudential Regulation Authority (APRA) website at www.apra.gov.au and the APRA hotline on 1300 13 10 60.

Complaints and disputes about the policy If you have a concern, complaint or dispute about the policy which involves a claim, contact the Manager at Cowden (VIC) Pty Ltd on (03) 9686 6500. They will try to resolve your problem immediately. Ifthey are unable to do so, you can request that your problem beconsidered by their internal dispute resolution process.

If you are not happy with their decision, you may take your complaint to the Financial Ombudsman Service Limited (FOS), an external dispute resolution body. FOS can be contacted on 1300 780 808.

http://www.apra.gov.au/



Part 2 - CUSTOMERS’ GOODS IN TRANSIT AND STORAGE INSURANCE

POLICY WORDING This insurance will be arranged on your behalf by Transcorp Removals & Storage as an authorised representative of insurance brokers, Cowden (VIC) Pty Ltd (AFSL 245658) DEFINITIONS In this policy the following words have the meaning set out below: Removal Company – Transcorp Removals & Storage

Customer - Persons or entities who contract with the removal company to remove and/or store their goods.

Customers’ Goods - Physical property which a customer has asked the removal company to move and/or store including household goods and personal effects of every description including antiques, works of art, jewellery, vehicles, caravans, boats, and trailers; and office and factory contents of every description including computers and all ancillary equipment, plant and machinery.

Transit - All conveyances by road and/or rail and/or air and/or vessel to and from ports and or places anywhere in Australia or the world. Transit commences when goods are first moved and/or uplifted within the house, office or factory by the removal company for the purpose of transit and ceases when the goods are last moved by the removal company after delivery to their final destination or such other place as the receiver may instruct. Transit includes packing/unpacking of goods by the removal company at uplift or delivery and any storage which is incidental to the transit.

Storage - Any storage of customers’ goods at the customer’s request in an authorized warehouse or compound by the removal company prior to, during or after transit.

INSURERS This insurance is provided by the following insurers: CGU Insurance Limited (ABN 27 004 478 371 AFSL 238291)- insures Australia wide perils storage of fire, lightning, aircraft, earthquake, storm and tempest, flood, water from fixed pipes or systems, riots, strikes and civil commotion, explosion and impact damage. Zurich Australian Insurance Limited (ABN 13 000 296 640 AFSL 232507) – insures all other transit and storage risks

RISKS COVERED Where the customer has requested the removal company to insure the customer’s goods, depending on the risks and period of cover and basis of settlement selected by the customer and shown in the certificate of insurance, this policy insures the customer’s goods as set out below:

Full Cover - insures loss or damage to the insured goods during transit from any external cause including accidental damage during packing, loading and unloading by the removal company or its representatives. However, regardless of which cover the customer selects, goods packed by the customer are insured only for restricted cover.

Restricted Cover - insures loss or damage to the customer’s goods during transit resulting from:

• fire and explosion;• lightning, flood;• overturning and/or derailment of conveyance;• collision of vessel, aircraft or conveyance;• crashing or forced landing of aircraft; stranding, sinking, or contact of

vessel with any external object other than water;• entry of water into any vessel, hold, container liftvan or place of storage;• discharge of goods at a port of distress;• jettison of goods from a vessel;• theft, pilferage or non delivery of an entire package or item.

Storage Only Cover insures loss or damage to the customer’s goods during storage resulting from:

ire, lightningḀAircraftḀ

arth uaketorm and tempest, flood, water from fixed pipes or systemsḀ

Riots, strikes and civil commotionḀxplosion and impact damage.

governing law and practice, which are incurred to avoid or in connection with the avoidance of loss from any cause other than those excluded elsewhere in the policy.

BASIS OF SETTLEMENT Depending on the Basis of Settlement selected by the customer and shown in the certificate of insurance, if loss or damage occurs as a result of an insured risk, the insurer will pay, up to the declared value of any item (and subject to the restrictions set out below):

Replacement Cost In the event of damage, the reasonable cost of repairs or restoration. For any items totally lost or destroyed, full replacement cost provided that such items are no more than 10 years old or have been specifically declared and valued on the insurance declaration or removal contract. Regardless of which Basis of Settlement is selected, the insurer will only pay market value for the following items: goods more than 10 years old or which have not been declared; computers and computer accessories; clothing; motor vehicles, caravans, boats and trailers.

Market Value In the event of damage, the reasonable cost of repairs or restoration. For any items totally lost or destroyed, their replacement cost less a reasonable allowance for age, condition, wear and tear and depreciation.

Office or Factory Goods, including Plant and Machinery For office and factory goods, including plant and machinery, the insurers will only pay: the lesser of the market value and the declared value of the goods at the time of loss; and agreed charges for insurance, packing and freight.

Pairs and Sets Where one or more articles in a pair or set (including lounge suites) are lost or damaged, the policy only covers the lost or damaged part or parts. The insurers will not pay more than a proportionate part of the insured value of the pair or set without reference to any special value which they may have as a pair or set or depreciation or loss of value. Antique(s) – Works of Art For antique(s) and works of art, the insurers will only pay the reasonable costs of repair/restoration and will not pay any depreciation or loss of value caused by the loss or damage.

Co-insurance If the declared value of the goods is less than 80% of their actual value at the time of the loss or damage, the amount of the claim will be adjusted in the same proportion as the declared value bears to 80% of the actual value.

E cess The removal company must pay the first , in respect of any one claim under this policy. The customer must contribute the ustomer xcess shown in the removal contract or . roduct Disclosure tatement.

E CL S NS AN L TAT NS N C E otor ehicles

This policy does not cover motor vehicles while they are being driven under their own power unless they are being driven by an authorised representative of the removal company for the purpose of loading or unloading.

alua les In the event of loss or damage, this policy does not cover any value in excess of

, for each item or collection of items for any anti ue, curio, ewellery, plate, precious ob ect, work of art, medal, money, coin, stamp, collection of items, fur, piece of precision e uipment or professionally packed carton by the removal company unless specifically declared and valued on the list of items to be insured on the insurance declaration or removal contract.

wner Pac ed Cartons on delivery of an owner packed carton is limited to unless an itemi ed

valued list of contents is supplied to the Removal ompany prior to the commencement of the transit.

t o al s s oIn a ition to t e ris s set out a o e t is polic insures t e customer s oo s or loss or ama e cause or as a result o ar sea an air transit ris s an stri es riots an ci il commotions in t e

terms o Institute o on on n er riters lauses current at t e time o s ipment an

eneral A era e an al a e ar es a uste or etermine accor in to t e remo al contract an or t e o ernin la an practice ic are incurre to a oi or in connection it t e a oi ance o loss rom an cause ot er t an t ose e clu e else ere in t e polic

Other Excluded Risks This policy does not cover loss or damage or expense caused by:

delay, loss of use of property or any other form of conse uential loss of any descriptionoss of data of any description from computer hardware or softwareonfiscation or detention by customs or other official or authoritiesear and tear, moths, vermin, infestation, normal atmospheric or climatic

conditions, corrosion, contamination or deteriorationInherent vice or nature of the sub ect matter or vibration

echanical, electrical or electronic breakdown or derangement of goods where there is no external evidence that an insured event has occurred

uclear risks which means the use, existence or escape of nuclear weapons materials or ioni ing radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel.

T o s l s oT is polic e clu es an loss ama e lia ilit or e pense arisin rom terrorism an or steps ta en to pre ent suppress control or re uce t e conse uences o an actual attempte anticipate t reatene suspecte or percei e terrorism

or t e purposes o t is clause terrorism means an act s o an person s or or ani ation s in ol in t e causin occasionin or t reatenin o arm o

ate er nature an ate er means or puttin t e pu lic or an section o t e pu lic in ear in circumstances in ic it is reasona le to conclu e t at t e purpose s o t e person s or or ani ation s concerne are oll or partl o a political reli ious i eolo ical or similar nature ̀



Notwithstanding any provision to the contrary contained in this policy, it is agreed that this policy covers loss or damage to the subject matter insured caused by any terrorist or any person acting from a political motive, from when the subject matter insured is first moved for the purpose of being conveyed to a destination outside the premises at which loading takes place and ends when the interest insured is last moved in being delivered at the destination, or at any earlier point where the ordinary course of transit is interrupted by the insured.

CLAIMS PROCEDURES As soon as possible after the happening of any event which may give rise to a claim under the policy, the customer(s) must:

Take all reasonable steps to prevent any further loss or damageote details of any loss or damage on the removal company s inventory

and or condition reportontact Transcorp Removals torage on ithin days of receipt of the goods, lodge a written claim with the

removal company using any form provided by the removal company .The customer must not authorise the repair or replacement of the lost or damaged goods without the consent of the removal company or the insurer. The removal company or the insurer, at their expense, may appoint a loss assessor to inspect damaged goods. The removal company may settle claims under this policy under instructions from the insurer. If the claim is for more than the amount detailed in the excess, the removal company must send to the insurer the inventory and or condition report, removal contract and full details of the items lost or damaged.

EAS NABLE CA E The insured must take all reasonable care to prevent or minimi e any loss or damage covered under the policy.

S B AT N The insurer is entitled to exercise any rights the insured may have against anyone else in relation to goods in respect of which the insurer has paid any amount under the policy. The insured and anyone else entitled to claim under the policy must cooperate fully with the insurer in exercising those rights and must give the insurer any information or assistance it may re uire.

SAL A E N T E E ENT A C NST CT E T TAL L SS here the insurer or the removal company pay a claim in full for an item under this policy as a constructive or total loss for either its declared or market value, the insurer or removal company is entitled to take possession of the item and retain any salvage value. In the event that this clause is exercised it is agreed that the customer will have automatic first choice to purchase the salvaged item.

SPECIAL CONDITIONS Premium The amount payable by the customer for this insurance may be varied provided the customer receives one month’s prior notice of any change.

Duty of Disclosure Before entering into a contract of general insurance with an insurer, the insured has a duty, under the Insurance Contracts Act 1984, to disclose to the insurer every matter that the insured knows, or could reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk of the insurance and, if so, on what terms.

The insured has the same duty to disclose those matters to the insurer before any renewal, extension, variation or reinstatement of a contract of general insurance.

The duty however does not re uire disclosure of mattersThat diminish the risk to be undertaken by the insurerThat are common knowledgeThat the insurer knows or, in the ordinary course of his business ought to knowAs to which compliance with the duty is waived by the insurer.

Privacy CGU Insurance Limited and Zurich Australian Insurance Limited are bound by the Privacy Act 1988 (Cth). Before providing us with any Personal or Sensitive Information (‘Information’) you should know that:

e collect, use, process and store ersonal Information and, in some cases, ensitive Information about you in order to comply with our legal obligations, assess your application and, if your application is successful, to administer the products or services provided to you, to enhance customer service and or product options or manage a claim purposes .

If you do not agree to provide us with the Information, we may not be able to process your application, administer your policy or assess your claims.

y providing us or your intermediary with your information, you consent to our use of this information which includes us disclosing your information where relevant for the purposes, to your intermediary, affiliates of Insurance imited and urich Australian Insurance

imited, other insurers and reinsurers, our services providers, our business partners or as re uired by law within Australia or overseas.

Insurance imited and urich Australian Insurance imited may obtain information from overnment offices, and third parties to assess a claim in the event of loss or damage.

or further information about the Insurance imited or urich Australian Insurance imite ri ac olicies a list o ̀ serice ̀ pro i ers an ̀ usiness ̀ partners tat ̀ e ̀ ma ̀ isclose ̀ our ̀ inormation ̀ to ̀ a list o ̀countries in ic recipients o ̀ our ̀ inormation ̀ are li el to e ̀ locate etails ̀ o ̀ o ou ̀ can access or correct te ̀ inormation ̀ e ̀ ol aout ̀ou ̀ or mae ̀ a complaint or concerns aout ̀ our pri ac policies please reer ̀ to te ̀ pri ac lins ̀ on our e site ̀

Insurance imite ̀ c u com au pri ac or contact us telepone ̀ on or email us at pri ac c u com au

uric Australian Insurance imite ̀ uric com au or contact us telepone ̀ on or email us at pri ac o icer uric com au

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mailto:[email protected]://www.transcorpremovalsandstorage.com.au/

Basis of SettlementItemise and value your goodsTranscorp Aust. Pty. LtdProduct Disclosure Statement (PDS)Part 1 – About Your InsuranceWhy should I take out insurance?Who to contact about your policyInsurerLimits and exclusions from coverCost of the policyHow do I select the amount to be insured?How you pay for the insuranceExcessConditionsWhat do I do if I need to make a claim?Financial claims schemeDEFINITIONSRemoval Company – Transcorp Removals & StorageINSURERSRISKS COVEREDAdditional Risks CoveredBASIS OF SETTLEMENTReplacement CostMarket ValueOffice or Factory Goods, including Plant and MachineryPairs and SetsAntique(s) – Works of ArtCo-insuranceExcessEXCLUSIONS FROM AND LIMITATIONS ON COVERValuablesOwner Packed CartonsOther Excluded RisksTerrorism ExclusionCLAIMS PROCEDURESREASONABLE CARESUBROGATIONSALVAGE IN THE EVENT OF A CONSTRUCTIVE OR TOTAL LOSSSPECIAL CONDITIONSDuty of DisclosureNon DisclosureGoods and Services TaxPrivacy

NAME: QUOTATION NUMBER: Check Box1: OffCheck Box3: OffCheck Box6: OffApplianceMain: 300Appliance_Main: Text01: 0Bed MattressMain: 2500Bed Mattress_Main: Text02: 0Bed LinenMain: 1000Bed Linen_Main: Text03: 0Bedside LampsMain: 400Bedside Lamps_Main: Text04: 0BooksCDsDVDsMain: 320BooksCDsDVDs_Main: Text05: 0ChestSide TableMain: 250ChestSide Table_Main: Text06: 0Chest of DrawersMain: 300Chest of Drawers_Main: Text07: 0Clothing GentsMain: 10000Clothing Gents_Main: Text08: 0Clothing LadiesMain: 10000Clothing Ladies_Main: Text09: 0Dressing TableMain: 1500Electrical RadioMain: 200PhoneMain: 200Floor CoveringsMain: 850LuggageMain: 200PrintsMirrorMain: 80Sports EquipmentMain: 500TelevisionStereoMain: 600WardrobeMain: 2000Text10: 0Electrical Radio_Main: Text11: 0Phone_Main: Text12: 0Floor Coverings_Main: Text13: 0Luggage_Main: Text14: 0PrintsMirror_Main: Text16: 0Text15: 0Sports Equipment_Main: TelevisionStereo_Main: Wardrobe_Main: Text18: 0Text17: 0ExtraMainBedRow1: ExtraMainBedRow1_1: Text19: 0ExtraMainBedRow2: ExtraMainBedRow2_2: Text20: 0ExtraMainBedRow3: ExtraMainBedRow3_3: Text21: 0ExtraMainBedRow4: ExtraMainBedRow4_4: Text22: 0ExtraMainBedRow5: ExtraMainBedRow5_5: Text23: 0SubTotal_Main: 0ExtraMainRow1: ExtraMainRow2: ExtraMainRow3: ExtraMainRow4: ExtraMainRow5: Appliances_B3: 400Bedding Linen_B3: 600Bed Mattress_B3: 1600Bedside Table_B3: 400BooksMagazines_B3: 350Chest of Drawers_B3: 600ClothingShoes_B3: 3000Computer_B3: 1500Desk Chair_B3: 800Dressing Table_B3: 700Gaming Console_B3: 1700Games_B3: 500Lamp_B3: 110Office Equipment_B3: 300Sports Equipment_B3: 750TelevisionStereo_B3: 600ToysBooksGames_B3: 3000Appliance_3: Text301: 0Bed Linen_3: Text302: 0Bed Mattress_3: Text303: 0Text304: 0BooksMagazines_3: Text305: 0Chest of Drawers_3: Text307: 0ClothingShoes_3: Text308: 0Computer_3: Desk Chair_3: Text309: 0Dressing Table_3: Text310: 0Gaming Console_3: Text311: 0Games_3: Text312: 0Lamp_3: Text314: 0Text315: 0Text316: 0Text306: 0Bedside Table_3: Text313: 0Luggage_B3: 150MirrorsPrints_B3: 350Musical Instrument_B3: 300Musical Instrument_3: MirrorsPrints_3: Luggage_3: Office Equipment_3: Sports Equipment_3: TelevisionStereo_3: ToysBooksGames_3: Text320: 0Text319: 0Text318: 0Text317: 0ExtraB3Row1: ExtraB3Row2: ExtraB3Row3: ExtraBed3Row1: ExtraBed3Row2: ExtraBed3Row3: ExtraBed3Row1_1: ExtraBed3Row2_2: ExtraBed3Row3_3: Text321: 0Text322: 0Text323: 0SubTotal_Bed3: 0Appliances_Study: 400AppliancesStudy: TextStudy01: 0Bookcase_Study: 600Bookcase_StudyH: TextStudy02: 0BooksMagazines_Study: 200BooksMagazines_StudyH: TextStudy03: 0CD Player_Study: 200CD Player_StudyH: TextStudy04: 0Computer desktop_Study: 2500Computer desktop_StudyH: TextStudy05: 0Computer portable_Study: 2500Computer portable_StudyH: TextStudy06: 0ComputerSoftware_Study: 2500ComputerSoftware_StudyH: TextStudy07: 0DeskDesk Chair_Study: 700DeskDesk Chair_StudyH: TextStudy08: 0Filing Cabinet_Study: 300Filing Cabinet_StudyH: TextStudy09: 0PrinterFax_Study: 850PrinterFax_StudyH: TextStudy10: 0Rug_Study: 800Rug_StudyH: TextStudy11: 0Multimedia Devices_Study: 3000Multimedia Devices_StudyH: ExtraStudyRow1: ExtraStudyRow2: ExtraStudyHRow1: ExtraStudyHRow2: ExtraStudyHRow1_1: ExtraStudyHRow2_2: TextStudy13: 0TextStudy14: 0SubTotalStudy: 0TextLive0: 0Cushions_Liv11: DVD Player_Liv11: Floor Coverings_Liv11: Gaming Console_Liv11: Entertainment Unit_Liv11: TextLive13: 0TextLive14: 0TextLive15: 0TextLive16: 0TextLive17: 0TextLive18: 0TextLive19: 0Appliances_B2: 400Bedding Linen_B2: 600Bed Mattress_B2: 1100Bedside Table_B2: 400BooksMagazines_B2: 350Chest of Drawers_B2: 600ClothingShoes_B2: 3000Computer_B2: 1500Desk Chair_B2: 800Dressing Table_B2: 700Gaming Console_B2: 800Games_B2: 900Lamp_B2: 110Luggage_B2: 150MirrorsPrints_B2: 350Musical Instrument_B2: 300Office Equipment_B2: 300Sports Equipment_B2: 750TelevisionStereo_B2: 600ToysBooksGames_B2: 3000Appliance_2: Bed Linen_2: Bed Mattress_2: Bedside Table_2: BooksMagazines_2: Chest of Drawers_2: ClothingShoes_2: Computer_2: Desk Chair_2: Gaming Console_2: Games_2: Lamp_2: Luggage_2: MirrorsPrints_2: Musical Instrument_2: Office Equipment_2: Sports Equipment_2: Text201: 0Wardrobe_B2: 1000ToysBooksGames_2: Wardrobe_2: TelevisionStereo_2: Text202: 0Text203: 0Text204: 0Text205: 0Text206: 0Text207: 0Text208: 0Text209: 0Text211: 0Text210: 0Text212: 0Text213: 0Text214: 0Text215: 0Text216: 0Text218: 0Text219: 0Text220: 0Text221: 0Text217: 0ExtraB2Row1: ExtraB2Rox2: ExtraB2Row3: ExtraBed2Row1_1: ExtraBed2Row3_3: ExtraBed2Row1_11: ExtraBed2Row3_33: Text222: 0Text223: 0Text224: 0Appliances_B4: 400Appliance_4: Text401: 0Bedding Linen_B4: 600Bed Linen_4: Text402: 0Bed Mattress_B4: 1600Bed Mattress_4: Text403: 0Bedside Table_B4: 400Bedside Table_4: Text404: 0BooksMagazines_B4: 350BooksMagazines_4: Text405: 0Chest of Drawers_B4: 600Chest of Drawers_4: Text406: 0ClothingShoes_B4: 3000ClothingShoes_4: Text407: 0Computer_B4: 1500Computer_4: Text408: 0Desk Chair_4: Text409: 0Dressing Table_4: Gaming Console_B4: 800Gaming Console_4: Games_B4: 900Lamp_B4: 110Luggage_B4: 150MirrorsPrints_B4: 350Musical Instrument_B4: 300Office Equipment_B4: 300Sports Equipment_B4: 750TelevisionStereo_B4: 600ToysBooksGames_B4: 3000Wardrobe_B4: 1000Lamp_4: Games_4: Luggage_4: MirrorsPrints_4: Musical Instrument_4: Office Equipment_4: Sports Equipment_4: TelevisionStereo_4: ToysBooksGames_4: Wardrobe_4: ExtraB4Row1: ExtraB4Rox2: ExtraB4Row3: ExtraB4Row1_1: ExtraB4Row2_2: ExtraB4Row3_3: Dressing Table_Main: Dressing Table_2: ExtraBed2Row2_2: ExtraBed2Row2_22: ExtraB4Row1_11: ExtraB4Row2_22: ExtraB4Row3_33: BooksCDsDVDs_Liv11: Coffee Table_Liv11: Text410: 0Text411: 0Text412: 0Text413: 0Text414: 0Text416: 0Text417: 0Text418: 0Text419: 0Text415: 0Text424: 0Text423: 0Text422: 0Text420: 0Text421: 0Desk Chair_B4: 800Dressing Table_B4: 700Specific ItemsRow1: Specific ItemsRow2: Specific ItemsRow3: Specific ItemsRow4: Specific ItemsRow5: Specific ItemsRow6: Specific ItemsRow7: Specific ItemsRow8: Specific ItemsRow9: Specific ItemsRow10: Specific ItemsRow11: Accepted By: Appliances_Fam: 300Armchair_Fam: 1200Bookcase_Fam: 800BooksCDsDVDs_Fam: 6000Coffee table_Fam: 750Computer_Fam: 2500ComputerSoftware_Fam: 2000DVD Player_Fam: 300GamesToys_Fam: 2400Gaming Console_Fam: 1700Lounge Suite_Fam: 3500Wall Hangings_Fam: 3000Rug_Fam: 1200Stereo Equipment_Fam: 1000Table_Fam: 1000Television_Fam: 4000Appliances_Fam1: TextFam1: 0Armchair_Fam1: TextFam2: 0Bookcase_Fam1: TextFam3: 0BooksCDsDVDs_Fam1: TextFam4: 0Coffee table_Fam1: TextFam5: 0Computer_Fam1: TextFam6: 0ComputerSoftware_Fam1: TextFam7: 0DVD Player_Fam1: TextFam8: 0GamesToys_Fam1: TextFam9: 0Gaming Console_Fam1: TextFam10: 0Lounge Suite_Fam1: TextFam11: 0Wall Hangings_Fam1: TextFam12: 0Rug_Fam1: TextFam13: 0Stereo Equipment_Fam1: TextFam14: 0Table_Fam1: TextFam15: 0TextFam16: 0Television_Fam1: Extra_FamilyRow1: Extra_FamilyRow2: Extra_Family2: Extra_Family1: Extra_Family1_1: Extra_Family2_2: TextFam18: 0TextFam17: 0SubTotal_Family: 0Appliances_Din1: 300Buffet Cabinet_Din1: 1200Cutlery_Din1: 400Dining Suite_Din1: 1700Dinner Set_Din1: 600Glassware_Din1: 600Light Fittings_Din1: 280MirrorsPrints_Din1: 1000Rug_Din1: 1200Table Linen_Din1: 200Dining Table_Din1: 500Dining Chair_Din1: 1200Crockery_Din1: 400Wall Hanging_Din1: 3000Appliances_Din11: Buffet Cabinet_Din11: Cutlery_Din11: Dining Suite_Din11: Dinner Set_Din11: Glassware_Din11: Light Fittings_Din11: MirrorsPrints_Din11: Rug_Din11: Table Linen_Din11: Dining Table_Din11: Dining Chair_Din11: Crockery_Din11: Wall Hanging_Din11: TextDin1: 0TextDin2: 0TextDin3: 0TextDin4: 0TextDin5: 0TextDin6: 0TextDin7: 0TextDin8: 0TextDin9: 0TextDin10: 0TextDin11: 0TextDin12: 0TextDin13: 0TextDin14: 0TextDin15: 0TextDin16: 0Extra_DiningRow1: GuitarExtra_DiningRow2: ExtraDinRow1: 800ExtraDinRow2: ExtraDinRow2_2: ExtraDinRow1_1: TextDin17: 0TextDin18: 0SubTotal_Dining: 0Air Conditioner_Garage: 1000Bicycle_Garage: 500BlowerVacuum_Garage: 500Camping Equipment_Garage: 3500FishingHuntin_Garage: 1500Freezer_Garage: 1000Fridge_Garage: 1500Golf Clubs_Garage: 2000HobbyCollections_Garage: 2000Hoses_Garage: 100Ladder_Garage: 300Lawn Mower_Garage: 900Luggage_Garage: 850Surfboard_Garage: 1000Tools Automotive_Garage: 2700Tools Garden_Garage: 600Tools General_Garage: 1500Tools Power_Garage: 3500Tool Box_Garage: 1000Wheelbarrow_Garage: 400Workbench_Garage: 2000Air Conditioner_Garage1: Bicycle_Garage1: BlowerVacuum_Garage1: Camping Equipment_Garage1: FishingHuntin_Garage1: Freezer_Garage1: Fridge_Garage1: Golf Clubs_Garage1: HobbyCollections_Garage1: Hoses_Garage1: Ladder_Garage1: Lawn Mower_Garage1: Luggage_Garage1: Surfboard_Garage1: Tools Automotive_Garage1: Tools Garden_Garage1: Tools General_Garage1: Tools Power_Garage1: Tool Box_Garage1: Wheelbarrow_Garage1: TextGarage1: 0TextGarage2: 0TextGarage3: 0TextGarage4: 0TextGarage5: 0TextGarage6: 0TextGarage7: 0TextGarage8: 0TextGarage9: 0TextGarage10: 0TextGarage11: 0TextGarage12: 0TextGarage13: 0TextGarage14: 0TextGarage15: 0TextGarage16: 0TextGarage17: 0TextGarage18: 0TextGarage19: 0TextGarage20: 0TextGarage21: 0WorkbenchRow1: GarageGarden ShedRow22: GarageGarden ShedRow22_2: TextGarage22: 0WorkbenchRow2: GarageGarden ShedRow23: GarageGarden ShedRow23_2: TextGarage23: 0Appliances_Rumpus1: TextRumpus1: 0Armchair_Rumpus1: TextRumpus2: 0Bookcase_Rumpus1: TextRumpus3: 0BooksCDsDVDs_Rumpus1: TextRumpus4: 0Chair_Rumpus1: TextRumpus5: 0DVD Player_Rumpus1: TextRumpus6: 0GamesToys_Rumpus1: TextRumpus7: 0Gaming Console_Rumpus1: TextRumpus8: 0Wall Hanging_Rumpus1: TextRumpus9: 0Musical_Rumpus1: TextRumpus10: 0PoolBilliard_Rumpus1: TextRumpus11: 0Rug_Rumpus1: TextRumpus12: 0Sofa_Rumpus1: TextRumpus13: 0Stereo Equipment_Rumpus1: Television_Rumpus1: TextRumpus15: 0TextRumpus14: 0Appliances_Rumpus: 500Armchair_Rumpus: 1200Bookcase_Rumpus: 600BooksCDsDVDs_Rumpus: 6000Chair_Rumpus: 450DVD Player_Rumpus: 300GamesToys_Rumpus: 2500Gaming Console_Rumpus: 1700Wall Hanging_Rumpus: 260Musical_Rumpus: 500PoolBilliard_Rumpus: 5000Rug_Rumpus: 1000Sofa_Rumpus: 3500Stereo Equipment_Rumpus: 1000Television_Rumpus: 4000TelevisionRow1_2: TextRumpus16: 0TelevisionRow2_2: Rumpus RoomRow17: Rumpus RoomRow17_2: TextRumpus17: 0TelevisionRow3_3: Rumpus RoomRow18: Rumpus RoomRow18_2: TextRumpus18: 0Floor Coverings_Entry: 700Hall Stand_Entry: 700Lamps_Entry: 200MirrorsPrints_Entry: 500Table_Entry1: MirrorsPrints_Entry1: Lamps_Entry1: Hall Stand_Entry1: Floor Coverings_Entry1: EntryFoyerRow6: EntryFoyerRow7: Table_Entry: 1200EntryFoyerRow7_2: EntryFoyerRow6_2: TableRow1: TableRow2: PotsRow1: PatioRow8: Total Bed 3: 0Total Bed 4: 0Total Study: 0Total Family: 0Total Rumpus: 0Total Dining: 0Total Entry: 0ExtraDinRow3: ExtraDinRow3_3: ExtraDinRow4: ExtraDinRow4_4: Extra_DiningRow3: Extra_DiningRow4: TextEntry01: 0TextEntry02: 0TextEntry03: 0TextEntry04: 0TextEntry05: 0TextEntry06: 0TextEntry07: 0SubTotal_Entry: 0Total Living: 0Specified ItemsRow11: Specified ItemsRow1: Specified ItemsRow2: Specified ItemsRow3: Specified ItemsRow4: Specified ItemsRow5: Specified ItemsRow6: Specified ItemsRow7: Specified ItemsRow8: Specified ItemsRow9: Specified ItemsRow10: Date: ValueRow1: ValueRow2: ValueRow3: ValueRow4: ValueRow5: ValueRow6: ValueRow7: ValueRow8: ValueRow9: ValueRow10: ValueRow11: ValueRow12: ValueRow13: ValueRow14: ValueRow15: ValueRow16: ValueRow17: ValueRow18: ValueRow19: ValueRow20: ValueRow21: ValueRow22: SubTotal_Value2: 0BBQTools_Garden1: 800Childrens_Garden1: 800DogKennel_Garden1: 400OutdoorFurniture_Garden1: 1800Pots_Garden1: 600BBQTools_Garden1_1: Childrens_Garden1_1: DogKennel_Garden1_1: Outdoor Furniture_Garden1_1: Pots_Garden1_1: SubTotal_Bed2: 0SubTotal_Bed4: 0TextPatio01: 0TextPatio02: 0TextPatio03: 0TextPatio04: 0TextPatio05: 0TextPatio06: 0TextPatio07: 0TextPatio08: 0TextPatio09: 0SubTotal_Rumpus: 0Rumpus RoomRow16: PatioRow6: PatioRow7: PatioRow9: Rumpus RoomRow16_2: PatioRow6_1: PatioRow7_1: PatioRow8_1: PatioRow9_1: Sub_TotalPatio: 0Subtotal_Garage: 0Total Patio: 0Total Garage: 0TotalTotals: 0Check Box4: OffEntertainment UnitRow2: ExtraLiv20_2: TextLive20: 0Entertainment UnitRow1: washing machineLamp_Liv11: Lounge Suite_Liv11: MirrorsPictures_Liv11: Occasional Table_Liv11: Ornaments_Liv11: PianoOrgan_Liv11: Stereo Equipment_Liv11: Table side_Liv11: Games_Liv11: Bookcase_Liv11: Appliances_Liv11: Appliances_Liv1: 250Bookcase_Liv1: 800BooksCDsDVD_Liv1: 6000Coffee Table_Liv1: 600Cushions_Liv1: 600DVD Player_Liv1: 300Floor Coverings_Liv1: 1200Gaming Console_Liv1: 800Games_Liv1: 900Lamps_Liv1: 800Lounge Suite_Liv1: 5000MirrorsPictures_Liv1: 1Occasional Table_Liv1: 600ExtraLiv21_2: Refridgerator_Kitchen: 2000Freezer_Kitchen: 500Dishwasher_Kitchen: 1600Microwave_Kitchen: 500Coffee_Kitchen: 1000Table_Kitchen: 2000Cutlery_Kitchen: 300Crockrey_Kitchen: 500Pots_Kitchen: 800Television_Liv11: Refridgerator_Kit1: Freezer_Kit1: Dishwasher_Kit1: Microwave_Kit1: Coffee_Kit1: Table_Kit1: Cutlery_Kit1: Crockery_Kit1: Pots_Kit1: TextLive21: 0TextKit1: 0TextKit2: 0TextKit3: 0TextKit4: 0TextKit5: 0TextKit7: 0TextKit8: 0TextKit9: 0SubTotal_Living: 0Total Specific: 0Total Kitchen: 0TextLive1: 0TextLive2: 0TextLive3: 0TextLive5: 0TextLive6: 0TextLive7: 0TextLive8: 0TextLive9: 0TextLive10: 0TextLive11: 0TextLive12: 0ExtraLiv21: ExtraLiv20: 1200Entertainment Unit_Liv1: 800Television_Liv1: 4500Table side_Liv1: 800Stereo Equipment_Liv1: 1000PianoOrgan_Liv1: 5000Ornaments_Liv1: 1500Workbench_Garage1: Blanket Cover: 0Total Main: 0Total Bed 2: 0TextKit6: 0SubTotal_Kitchen: 0TextStudy12: 0Check Box2: Off