1. The Policy
    1. This insurance policy (Insurance Policy) is part of and incorporated into the Agreement. In this Insurance Policy, terms stated in the Agreement shall have the same meaning.
  2. Boosting your Insurance
    1. Each Shipment is automatically covered up to a maximum value of £250. 
    2. If you suspect that the items you wish to send in a parcel are altogether worth more than £250, you can contact us to raise your insurance. The value of your higher insurance level will be established by comparison to a specific level.
      • LEVEL 1 – AUTOMATIC COLLABORATIVE INSURANCE UP TO £250
      • LEVEL 2 – Collectively insured for up to £1000.
      • LEVEL 3 – Insured collectively up to £2500
    3. To enhance your Insurance level, we will need as much information as possible to support your claim that the items in your parcel are worth over £250. This may include a full explanation of each item as well as photographs of each item. We will, whenever possible, request that you supply supporting paperwork, including any appraisals, certifications of authenticity, receipts, or other pertinent documentation (your “Evidence”). You will submit your Evidence via email to info@wasgatheringdust.com
    4. Was Gathering Dust will evaluate the facts and evidence you supply to decide if your parcel qualifies for a higher Insurance Level. If Was Gathering Dust accepts that your items qualify for a higher Insurance Level, we will confirm this to you via email.
    5. You acknowledge and agree that if we certify that your parcel qualifies for a higher Insurance Level, this does not obligate us to make an Offer for your parcel with a value equal to or greater than the Insurance Level. Offers are made only after the Appraisal procedure, as outlined in the Agreement.
    6. Was Gathering Dust strives to answer all Clients via email within 1 working day to confirm if a parcel qualifies for a higher Insurance Level, but any delay in response from Was Gathering Dust does not imply that your parcel qualifies for a higher Insurance Level. Was Gathering Dust’s express written agreement is required for any increase in insurance levels.
    7. If we do not agree to supply you with a higher Insurance Level, you are still permitted to send us your parcel for an Appraisal, but you do so at your own risk.
  3. Sending us your parcel
    1. If we have informed you that your parcel qualifies for Insurance Level 2 or Insurance Level 3, please do not send it to us unless we ask you to do so in writing. Instead, Was Gathering Dust will, at its sole discretion, either arrange for our own collection of the parcel or employ a different courier service than the one included in your Postage Pack.
      1. arrange collection of the Parcel ourselves; or use a different courier service to that supplied with your Sellers Pack.
    2. Your Shipment must be packed correctly. Please ensure that you package each item with care and in line with any specific packaging instructions we supply.
      • If we have arranged for a courier to collect your parcel, you are responsible for ensuring that it is properly wrapped before the courier arrives. Our courier is unable to assist with the packaging of your parcel.
      • If your Items have been damaged on route to Was Gathering Dust because they were improperly or inadequately wrapped, your parcel will not be insured, and Was Gathering Dust has no responsibility for such items.
    3. If your Parcel contains any Items from the Restricted Category as outlined in clause 4.1 of the Agreement, your insurance for the entire Parcel will be voided and Was Gathering Dust will not be responsible for any damage to items shipped in the same parcel as Restricted Category Items.
    4. You are required to obtain a receipt containing the tracking number when you mail a package. If we have arranged for our courier to collect your parcel, they will provide you with a receipt that includes the tracking number upon pickup. You can only file a Claim (as defined below) in the event of a lost Parcel if you have the receipt and tracking number.
    5. Your name and return address must be shown clearly on the package.
  4. Making a Claim
    1. Prior to presenting a Claim: 
      1. If you suspect your parcel or any Items within your parcel were lost or damaged in transit to us or on its return to you, please collect as much evidence as possible to support your Claim. Was Gathering Dust will, upon request, make available to you any video or photographs taken of your packages and items upon delivery. Was Gathering Dust may be unable to accept your Claim if you are unable to show any evidence to support it.
    2. You will need to file a Claim within the following timeframes:
      1. Lost Parcel: within 28 days of the parcel’s shipment. Up to ten business days will be made available for the external postal partner to finish their inquiry.
      2. Damaged or missing Items: 28 days from the day the item was sent to us or returned to you, whichever is later.
    3. To submit a claim, please email us for a claim form and return it to us through email. Please give complete and accurate contact information, including a valid telephone number.
    4. If you have submitted a Claim through email, we will endeavour to confirm its receipt within one business day. Telephone contact will be made.
    5. Upon receiving a Claim, Was Gathering Dust will investigate the matter and review any details or evidence you have given. Our investigation procedure includes, but is not limited to, the following actions: analysing any relevant CCTV video we keep on site; conducting interviews with employees or staff members who have handled your item; and/or inspecting the premises for any missing parcels or Items.
    6. Our target investigation timelines for Claims are as follows:
      • Eight business days for a lost parcel.
      • 3 business days for damaged or missing items.
    7. The status of your Claim will be communicated to you in writing.
    8. In the event of a successful Claim, we will take into account the Insurance Level we verified in writing to you, as well as any Evidence you provided. In addition, our professionals will discuss your items. This will be used to calculate the amount of the settlement to which you are entitled (the Settlement).
    9. Was Gathering Dust will, at your discretion, transfer the Settlement to a bank account you designate or mail you a settlement cheque. At the time that we notify you of the Settlement, we will request the pertinent information required. You acknowledge that it is your obligation to ensure that the information you supply us is accurate. If you fail to give appropriate payment information, Was Gathering Dust assumes no responsibility if you do not receive the Settlement.
    10. If you fail to supply us with the information specified in section 4.5 within 90 days of our request, we will regard your right to claim the Settlement as having been waived, and we will no longer be required to provide you the Settlement or any other compensation.
    11. If you have successfully filed a Claim for a missing parcel or item and obtained the Settlement for that Claim, and your Parcel and/or Item is later found:
      • In the event that the Parcel and/or Item is discovered in your possession, you must contact us within 14 days to advise us that it has been found, and you will be obliged to refund us the Settlement in line with clause 4.8.
      • In the event that the Package and/or Item is found in our possession, we shall contact you within 14 days to advise you that it has been located. We will evaluate the package and/or its contents and make you an offer. If you choose to decline the Offer, we will return the Package and/or items to you once you have repaid the Settlement to us in accordance with section 4.8. If you accept the Offer and the Offer is less than the Settlement, you must return the difference to us in accordance with clause.
      • We will pay you the difference if you accept an Offer that is greater than the amount of the Settlement and you wish to accept it.
    12. If you are obliged to reimburse the Settlement to us in whole or in part, you must do so within 30 days of our notice that the Settlement is due to us (the Due Date). If you fail to make payment by the Due Date, we shall be entitled, without limiting our other rights and remedies (including pursuing both civil and criminal action), to charge interest at 5% above the Bank of England’s base rate from time to time, or at 5% a year for any period when the base rate is below 0%, from the Due Date until payment of the overdue sums, whether before or after judgement.
    13. If you oppose our decision, if we have rejected your Claim or you desire to contest the Settlement, please follow the procedure for filing a complaint outlined in Article 13 of the Agreement.