Summary of our insurance cover

This section only applies if you have selected option 1 in the Storage Space Rental Agreement (the "Rental Agreement"), thereby instructing us to include your stored property in the Company's insurance arrangements and you have paid the specified fee. Please read carefully paragraph 11 of the General Conditions of the Rental Agreement.

The terms of the Rental Agreement state that your stored property must be insured for its full value and that insurance cover must be maintained throughout the period of storage with us. Please note that our liability for actual physical loss of or damage to your stored property is limited by the terms of the Rental Agreement that forms part of our contract with you, which applies whether or not you instruct us to include your stored property in our insurance arrangements.

PROVIDED YOU INSTRUCT US TO INCLUDE YOUR STORED PROPERTY IN THE COMPANY'S INSURANCE ARRANGEMENT, we will ensure that our insurance cover, notified to Amica for AXA Versicherung AG and Others, covers physical loss or damage to your stored property as summarized below. Please note, however, that you as a customer will not have any independent right to make a claim directly against our insurers but that we undertake to pass on to you the insurance compensation we receive from our insurers in respect of your stored property. Upon request, you can inspect the insurance policy at our office.

TOTAL AMOUNT INSURED
The full fair value of the stored property at the time, as stated in the Rental Agreement or otherwise notified to us in writing. The sum insured may under no circumstances exceed SEK 1,000,000 for an individual customer, unless this has been confirmed by us in writing. The total sum insured may be increased on payment of a surcharge, subject to the prior approval of our insurers.

FÖRSÄKRADE RISKER
Fysisk förlust av eller skada på kunders magasinerade egendom orsakad av brand, blixtnedslag, explosion, jordbävning, flygplan som störtar eller delar från dessa som faller ned, storm, översvämning, rörledningar som spricker eller läcker, inträngning av vatten eller annan vätska, utifrånkommande mal, insects or vermin and other vermin which can be shown to come from an external source, theft in connection with forcible entry into or exit from the building or compartment, riots, strikes, civil commotion, vandalism and traffic accidents involving vehicles or rolling stock from rail traffic.

UNDERWRITING
It is a condition of the insurance that the sum insured corresponds to the full fair value of the property in storage at any one time. If you do not declare the full replacement value of your stored property on the Rental Agreement or otherwise in writing to us, we will, in the event of loss or damage, only be entitled to compensation from our insurers for that proportion of the loss or damage which the declared value bears to the total replacement value of your stored property.

BASIC CLAIMS
A claim is settled by replacement, repair and/or compensation as decided by the Insurer. In the event of total destruction of or damage to an item under this insurance, the loss shall be settled by replacement of the item, provided that this item is substantially equivalent to but not better than the original item when new.

Home textiles and clothing
In the event of a claim involving loss of or damage to home textiles and clothing, the insurer will take into account the age, quality, wear and tear and market value of the lost or damaged item.

Documents
If the claim relates to loss of or damage to documents, the settlement shall be based on the reasonable costs of reprinting and/or the reasonable costs of reissuing and/or reconstructing the document, including, where appropriate, investigation or examination to obtain essential information.

Pairs and sets clause
If an item is part of a pair or a set of items, Insurers will only pay for those items that have actually been lost or damaged. Insurers will not pay for items that are part of a pair or set of items and that have not been lost or damaged.

DEDUCTIBLE
No deductible

DEADLINE FOR CLAIMS
Claims must be submitted to us either at the time of discovery of the loss of or damage to your stored property or at the time of removal of your stored property from the facility, whichever occurs first.

EXCEPTIONS
The following items are not covered by the insurance:

1) Banknotes, coins, gold and silver bullion, certificates, bonds, securities and the like.

2) Livestock, plants, explosives and flammable materials.

3) Jewelry, wristwatches and precious stones, stamps of all kinds with a total value exceeding SEK 100,000.

4) Furs, works of art, perfumes, cell phones, tobacco, cigars, cigarettes, beer, wine, spirits and the like with a total value exceeding SEK 200,000.

5) Electronic equipment with a total value exceeding SEK 100,000. "Electronic equipment" means all consumer and producer capital goods for electrical and electronic appliances and instruments including but not limited to radios, television receivers, computers, computer software, hard disks, computer chips, microchips, printed circuit boards and their components, modems, monitors, cameras, fax machines, photocopiers, video recorders, high fidelity systems, stereos, CD players, dictaphones and the like (heavy electrical equipment, e.g. switchgear, turbines and generators and the like, shall not be considered as electronics).

6) Loss of value due to repairs or restoration of a damaged object

7) Loss of electronically recorded data, except the cost of blank data-carrying media.

8) Any property that you are not authorized to store under the terms of the Rental Agreement.

9) The consequences of war, invasion, act of war by a foreign enemy (whether war has been declared or not), civil war, insurrection, revolution, revolt or military or governmental coup or seizure or nationalization or requisition or destruction of or damage to property by act or decision of government or other public or local authority.

10) Consequential or indirect loss resulting from the reporting of loss or damage arising from an insured risk.

11) Loss or damage resulting from:

-(a) ionizing radiation or radioactive contamination from nuclear fuel or waste or from the combustion of nuclear fuel,

-(b) the radioactive, toxic, explosive or other hazardous or contaminating properties of a nuclear installation or reactor or a nuclear component thereof,

-(c) weapons of war using nuclear fission and/or fusion or other similar reaction or radioactive power or material,

-(d) the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive material. The exceptions in this subparagraph (d) do not apply to radioactive isotopes other than nuclear fuel when such isotopes are prepared, transported, stored or used for commercial, agricultural, medical, scientific or other peaceful purposes.

12) Loss of or damage from chemical, biological, biochemical or electromagnetic weapons. Use or handling as a means of inflicting harm of any computer system, computer software program, computer virus or process or other electronic system.

13) Loss of or damage to your stored property directly caused by pressure waves generated by aircraft and other flying objects traveling at the speed of sound or at supersonic speed.

14) If other insurance is in force at the time of the loss, this insurance may only be used to the extent that the loss cannot be covered by the other insurance.

15) Loss of or damage to your stored property caused by or resulting from terrorism-related act(s) or by person(s) acting for political reasons.