DELL

RELOCATION INSURANCE GUIDE/APPLICATION

2010 - 2011

For Dell Global Mobility

Administered by:
WILLIS RELOCATION RISK GROUP
11240 Waples Mill Road, Suite 301, Fairfax, Virginia 22030 USA
Phone: 703-591 0093/1-800-443-3360 Fax: 703-591 1052
E-Mail: WRRGroup@Willis.Com Website: www.WillisRelocationRisk.Com

2010
 ABOUT THIS INSURANCE PROGRAM
Congratulations on your relocation! While moving is an exciting time in ones life, it can also be challenging.
To assist you with your relocation, Dell has partnered with Wills Relocation Risk Group (WRRG) to provide
you with a comprehensive insurance program designed to protect your goods in the unlikely event they suffer
loss or damage during their transit to your new home. This package of information is designed to explain the
benefits of the program to you and assist you with the process of valuing your goods and applying for the
insurance protection provided by Dell and its partners.

Do I Need This Insurance Protection?

Dell has arranged this protection program for you as part of your relocation benefit package. It is as
important for you to consider as your existing homeowners or renters policy likely offers, at best, limited
protection for your goods during the course of their transit. Additionally, in the unlikely event of loss or
damage to your shipment you will be provided resource and guidance by our insurance partners to adjust
your claim as fairly and quickly as possible.

What Does This Policy Cover?

The policy is intended to protect your household goods and personal belonging against loss or damage they
may sustain during the normal course of your transit. While the policy is broadly worded, standard
exclusions and conditions apply. We strongly recommend that you read the policy terms and conditions,
contained in this document. Your protection will begin when the movers arrive to pack your goods and will
continue throughout the transit to delivery at your new home, except for circumstances explained later in
this document.

Will This Policy Cover All My Belongings Against Loss Or Damage?

No, while the coverage is very broad there are some items that are simply not eligible for coverage under
any policy of this type. The following goods will not be eligible for coverage:
- Monies, securities, evidence of debts or accounts.
- Perishables, live animals or contraband
- Loss of data, business property
- Furs, Silverware, Goldware and Jewelry are only covered to a maximum combined value of
$5,000 total (we advise you to take these items with you or place them in the care of a
trusted individual/institution)
- Furs, Silverware, Fine Arts, Antiques, Rugs, Gold Ware, and Pianos which exceed $5,000 in
value must be separately declared and appraised in order to be covered. You are responsible
for the cost of any appraiser’s fee. This schedule must be received in the Willis Relocation
Risk office prior to shipment. The claim adjustment will be based on repair/restoration cost,
the scheduled value, or its replacement cost, whichever is less.
-
- Coverage applies to economic loss only, no coverage is available for loss of sentimental
value
- Coverage applies only to direct damage or loss to eligible items. Consequential loss is not
covered under this policy.

1
How Much Coverage Will I Have Under This Program?
The insurance carrier agrees to pay either the full replacement or repair costs for items that suffer loss or
damage during the course of transit and long term storage. Dell employees will value their goods as follows:

The insurance carrier will provide replacement value protection if you agree for no less than $12 times
the weight of the shipment and further agree to separately list and value all items or sets valued at over
$5,000. If your goods need additional coverage beyond the total indicated by this method, you may
request additional coverage by preparing a High Valued List, which will include and valued all items or
sets above $5,000. This list will be added to your lump sum valuation.

Furs, Silverware, Fine Arts, Antiques, Rugs, Gold Ware, and Pianos which exceed $5,000 in value must be separately declared and appraised in order
to be covered. You are responsible for the cost of any appraiser’s fee. This schedule must be received in the Willis Relocation Risk office prior to
shipment. The claim adjustment will be based on repair/restoration cost, the scheduled value, or its replacement cost, whichever is less

Are My Goods Protected Against All Types Of Loss Or Damage?

While the policy is broadly worded to provide protection against a wide variety of circumstances there are
certain events that insurance protection does not apply to, including the following:
- Loss or damage caused by gradual deterioration, wear and tear, atmospheric or climatic
conditions, moth, perishables and inherent vice.
- Loss or damage caused by terrorist attacks to goods in permanent storage.
- Consequential loss or damage as a result of direct loss or damage to covered goods
- War, Strikes, Riots, and Civil Commotion; except to the extent specifically provided.
- Depreciation arising from inadequate or substandard repairs or restoration of a damaged
item.
- Owner packed goods for breakage, scratching, denting, chipping, staining or tearing unless
caused by fire, stranding, sinking or collision of a vessel or vehicle transporting goods.
- Owner packed goods for missing items of cartons or packages unless an itemized valued list
of contents of each carton or package is provided by owner prior to commencement of
transit.
- Rust to piano strings/Loss of tune of piano as a result of transit
- Wrinkled clothing which suffers no additional damage

The following exceptions apply only when an automobile/motorcycle/boat/trailer is approved by Dell to be

shipped with the household goods:
- Loss or damage to an automobile while being driven under its own power except while on
the premises of the port and while in the care, custody or control of the freight forwarder or
his/her designated agent.
- Loss or damage to an automobile transported by Car Carrier unless specific coverage has
been requested.
- Loss or damage caused by scratching, denting or marring of an automobile unless the
forwarder and owner both agree and sign a “certificate of condition report” or similar
document stating the condition of the automobile prior to shipment, noting all defects.
- Goods packed in autos, trailers, or boats.
- Non-factory installed auto/trailer/motorcycle/boat accessories not specifically declared and
valued for coverage.

2
What If My Goods Remain In Storage Longer Than The Period Of Time Allowed
Under The Dell Program?
Storage In Transit: The Dell program provides coverage for your goods in storage-in-transit for a period of
up to 365 days from packing date (at origin and/or destination (not self-storage units) without
additional. If you find it necessary to extend this period of coverage it is your responsibility to request the
extension from WRRG. We have provided a storage extension form for your use in this package of
documentation.

Long Term Storage: Will cover your possessions while in a controlled access professional mover’s storage
facility. This coverage is most often used to protect the possessions you choose not to take with you on
assignment. Coverage includes transit into and out of storage for a maximum of 50 miles.

What Happens If I Decide To Store My Belongings In A Self-Storage Facility Or

Location Other Than A Professional Mover’s Warehouse?
The Dell program does NOT provide protection for your goods other than in transit or while stored in the
warehouse of a professional moving company. You will need to insure the goods personally if you utilize
mini or self storage.

What Do I Do If My Goods Are Damaged During My Move?

Dell has arranged with its insurance partner, Willis Relocation Risk Group, to work directly with you toward
the settlement of your claim. Additional information regarding this service is found later in these materials.

3
 Declaration of Value of Household Goods
For Surface Shipments
This form is designed to assist you in properly valuing your goods and belongings. Please complete it and return
it to your Cartus consultant no later than 48 hours before your move date.
The Dell Insurance Program requires that all International Shipments be insured for no less than $12 x the
estimated net weight of the shipment. Additionally you are required to itemize and separately value all items
or sets valued at $5,000 and above. If you require additional coverage above the minimum parameters, please
contact your counselor.
Please list below any individual items or sets of unusual or unique nature valued at more than $5,000.
Qty. Article Value

Total value of all high valued items

1. Assignee to fill out listed above $5,000 or more:

Estimated total weight of the

2. Cendant to obtain from shipping company shipment less the weight of the high
valued items x $12:

This is the amount of insurance I require - the Sum of Items 1 & 2: (US$)

DATE:

EMPLOYEE NAME:

ORIGIN (City/State/Country): DESTINATION (City/State/Country):

DECLARATION OF VALUE - SURFACE TRANSIT

 Declaration of Value of Household Goods
For Air Shipments
This form is designed to assist you in properly valuing your goods and belongings. Please complete it and return
it to your Cartus consultant no later than 48 hours before your move date.
The Dell Insurance Program requires that all International Shipments be insured for no less than $12 x the
estimated net weight of the shipment. Additionally you are required to itemize and separately value all items
or sets valued at $5,000 and above. If you require additional coverage above the minimum parameters, please
contact your counselor.
Please list below any individual items or sets of unusual or unique nature valued at more than $5,000.

Qty. Article Value

1. Assignee to fill out Total value of all high valued items

listed above $5,000 or more:

Estimated total weight of the shipment

2. Cartus to obtain from shipping company less the weight of the high valued
items x $12:

This is the amount of insurance I require - the Sum of Items 1 & 2: (US$)

DATE:

EMPLOYEE NAME:

ORIGIN (City/State/Country): DESTINATION (City/State/Country):

DECLARATION OF VALUE - AIR TRANSIT

 SUMMARY OF POLICY TERMS & CONDITIONS
(Subject to the Provisions of an Open Marine Cargo Policy Issued by Certain Underwriters at Lloyds)
Property Covered
Household Goods and Personal Effects, Antiques, Fine Arts,
Automobiles, Boats, Motorcycles, Campers and Trailers as declared
and valued on this and supporting documents.
Coverage
Professionally Packed:
All Risks of physical loss or damage subject to the version of the
following American Institute Clauses current at the time of
commencement of transit: Cargo, War, Strikes, Classification,
Radioactive Contamination Exclusion, For the purposes of general
average contribution and salvage charges recoverable hereunder,
the effects insured shall be deemed to be insured for their full
contributory value.
Owner Packed Goods As above but excluding:
Breakage, scratching, denting, chipping, staining and tearing of
owner packed effects unless directly caused by fire, stranding,
sinking or collision of the vessel or collision or overturn of
transporting land conveyance. Also excluding claims for missing
items of owner packed cartons or packages unless an itemized
valued list of contents of each carton or package is supplied by the
owner prior to commencement of transit.
Loss of or damage to the subject-matter insured caused by general
average sacrifice jettison.
Theft or loss of an entire package or consignment during the course
of loading, transhipment or discharge.
Including risks of jettison, loss and washing overboard.
Exclusions
This Insurance does not cover:
1. Loss or damage caused by gradual deterioration, wear and tear,
atmospheric or climatic conditions (see optional coverage), perishables,
inherent vice, vermin, moth damage, loss of data and any losses that are
not directly associated with the incident that causes a claim, unless
specifically stated in this Policy.
2. Jewelry, silverware, goldware and furs unless declared and
valued, but subject to a combined maximum limit of US$5,000 any
one transit. Money, securities, and loss of data are excluded
absolutely.
3. Depreciation arising from inadequate or substandard repairs or
restoration of a damaged item.
4. Loss of or damage to an automobile while being driven under its
own power except while on premises of the port or while being
driven by an authorized driver who is an employee of the freight
forwarder or his agent in direct furtherance of the transit.
5. Loss or damage caused by scratching, denting or marring of
automobiles unless the forwarder and the owner both agree and sign
a "certificate of condition" or similar document stating the condition
of the automobile prior to shipment, noting all defects. Non-factory
installed accessories not specifically declared and valued for
insurance. Goods packed in autos.
General Conditions
Valuation Clause: The household goods and personal effects
insured must be valued either:
Domestic Shipments: An amount equal to US $12 times the net
weight of the shipment in pounds. Further, the insured must provide
a valued listing of all items or sets of unusual or unique nature
valued over $5,000 per item or set: otherwise reimbursement could
be limited to that amount.
International Shipments: An amount equal to US $12 times the net
weight of the shipment in pounds. Further, the insured must provide
a valued listing of all items or sets of unusual or unique nature
valued over $5,000 per item or set: otherwise reimbursement could
TERMS & CONDITIONS - TRANSIT
be limited to that amount. You are responsible to provide Proof of
Valued for all items of unique or unusual valued above $5,000.
2. Automobiles, campers, boats, motorcycles and trailers must be
valued at the cost to replace the item at destination with another of
the same year, make and model.
3. 100% Co-Insurance Clause: If you fail to insure for the full
replacement value of goods at destination, you will only be entitled to
recover from Underwriters the proportion of the loss as the declared
value bears to the total value of the property you shipped.
4. Pairs & Sets Clause: In the event of loss or damage
recoverable to any item or items forming a pair or set, the indemnity
afforded by this policy shall be limited to the reasonable and fair
reduction in value of the pair or set as defined by the importance to
the value of the pair or set of the lost or damaged items.
5. Duration of Transit Clause: This insurance begins from the
time the items you have declared for insurance are professionally
packed and picked up for the commencement of transit and
continues during the ordinary course of transit until the insured
property is professionally delivered to the destination specified on
the insurance confirmation. If the goods are professionally
unpacked, coverage is extended to cover that unpacking provided it
is done within 14 days of delivery. If storage beyond the ordinary
course of transit is needed, please note that this insurance
continues for up to 365 days from packing date (at origin and/or
destination (not self-storage units) without additional charge.
Underwriters agree to extend this insurance for storage beyond 365
days on a monthly basis for additional premium. This premium
must be received prior to the expiration of the 365 days. If your
shipment is not arranged on a door-to-door basis by the moving
company, this insurance coverage ceases at the time the
involvement of the moving company or their agent ceases. For
shipments that have been in storage before instructions to move
them were given to the moving company, this insurance begins at
the time the mover/forwarder receives the request for insurance. In
the event of war or warlike actions, coverage may be limited
according to the terms of the War Clauses.
6. We will not insure depreciation in market or appraised value of
any item regardless of whether such depreciation arises as a result
of a peril insured against or otherwise.
7. Subrogation Clause: The underwriters shall be subrogated to
the extent of their payment for losses insured hereunder to all the
insured's rights of recovery against any person or organization,
excepting the freight forwarder or mover who issued this document.
8. Other Insurance: This insurance does not cover to the extent
of any other insurance, whether prior or subsequent hereto in date
and by whomsoever effected, directly or indirectly covering the same
property and the Underwriters shall be liable for loss or damage only
for the excess value beyond the amount due from such other
insurance.
9. Claims Notification: In the event of loss or damage which may
give rise to a claim under this insurance, immediate notice must be
given in writing to Underwriters' representatives. It is a condition
precedent to Underwriters' liability under this insurance that all
claims are notified within 30 days after delivery or 90 days after
scheduled delivery in the event of non-delivery. Further it is
understood that presentation of claim in its entirety after notice will
be in a timely fashion not to exceed 90 days from the date of such
notice.
10. BASIS FOR CLAIMS SETTLEMENT: Underwriters agree to
settle claims for loss or damage at an amount not to exceed the
declared value or the cost of repairing or replacing the property
with new items of comparable quality, whichever is less.
 DELL CORPORATION EMPLOYEE
Storage In-Transit Extension Request

CONFIRMATION OF INSURANCE NO:

Origin Storage
Date: Please place an “x” in appropriate box:
Destination Storage

Your shipment is insured during the normal course of transit until it is delivered to your new place of residence.
Storage insurance is included in this coverage for a total up to 365 days from packing date (at origin and/or
destination (not self-storage units) without additional charge. The goods must be stored in an approved
enclosed commercial warehouse. Mini/self-storage facilities are excluded.
If you require additional storage insurance, please complete this form and provide it to Willis along with your
premium payment in US$ before the expiration of the approved storage period.

Date Paid Storage Begins:

I have calculated the premium due to you for this additional insurance coverage:

Insured value = US$

Rate per month x .0008

Total each month = US$

Number of months x

Total Premium = US$

(Treat fractions of a month as a full month)

I am remitting my payment in US$. Please send evidence of this storage extension to:

Name:

Address:

Country:
Payment must be received before the expiration of the storage insurance
period included as part of the transit insurance.

Please remit to:

Willis Relocation Risk Group
11240 Waples Mill Road, Suite 301, Fairfax, Virginia 22030 USA
Phone: 703-591 0093/1-800-443-3360 Fax: 703-591 1052
EMAIL: WRRGroup@Willis.com

STORAGE IN-TRANSIT EXTENSION REQUEST

 Declaration of Value of Household Goods
For Permanent Storage
This form is designed to assist you in properly valuing your goods and belongings. Please complete it and
return it to your Cartus consultant no later than 48 hours before your move date.
The Dell Insurance Program requires that all International Shipments be insured for no less than $12 x the
estimated net weight of the shipment. Additionally you are required to itemize and separately value all
items or sets valued at $5,000 and above. If you require additional coverage above the minimum parameters,
please contact your counselor.
Please list below any individual items or sets of unusual or unique nature valued at more than $5,000.

Qty. Article Value

Total value of all high valued items

1. Assignee to fill out listed above $5,000 or more:
Estimated total weight of the
2. Cartus to obtain from shipping company shipment less the weight of the high
valued items x $12:

This is the amount of insurance I require - the Sum of Items 1 & 2: (US$)

DATE:

EMPLOYEE NAME:

NAME OF STORAGE FACILITY:

ADDRESS OF STORAGE FACILITY:

DECLARATION OF VALUE – PERMANENT STORAGE

 WILLIS RELOCATION RISK GROUP
PERMANENT STORAGE INSURANCE
TERMS & CONDITIONS
THIS POLICY INSURES AGAINST:
All risks of physical loss or damage from any external cause
(except as hereinafter excluded) including Salvage Charges.
THIS POLICY DOES NOT INSURE:
A. Accounts, bills, deeds, evidences of debt, letters of credit,
passports, documents, and railroad or other tickets,
securities, notes, currency, money, numismatic and
philatelic property, jewelry, watches or precious stones.
B. Loss or damage caused by gradual deterioration, wear
and tear, atmospheric or climatic conditions, rust,
inherent vice, and delay.
C. Depreciation arising from inadequate or substandard
repairs or restoration of a damaged item.
D. Loss or damage caused by scratching, denting or marring
of automobiles unless the forwarder and the owner both
agree and sign a "certificate of condition" or similar
document stating the condition of the automobile prior to
storage, noting all defects. Non-factory installed
accessories not specifically declared and valued for
insurance. Goods packed in autos.
E. Loss or damage caused by or resulting from: (1) hostile
or warlike action in time of peace or war, including action
in hindering, combating or defending against an actual,
impending or expected attack: (a) by any government or
sovereign power (de jure or de facto), or by any authority
maintaining or using military naval or air forces; or (b) by
military, naval or air forces; or (c) by an agent of any
such government, power, authority or forces; (2) any
weapon of war employing atomic fission or radioactive
force whether in time of peace or war; (3) insurrection,
rebellion, revolution, civil war, usurped power, or action
taken by governmental authority in hindering, combating
or defending against such as occurrence, seizure or
destruction under quarantine or customs regulations,
confiscation by order of any government or public
authority, or risks of contraband or illegal transportation
or trade;
F. Loss by nuclear reaction or nuclear radiation or radioac-
tive contamination, all whether such loss be direct or
indirect, proximate or remote, or be in whole or in part
caused by, contributed to, or aggravated by the peril(s)
insured against in this Policy; however, subject to the
foregoing and all provisions of this Policy, direct loss by
fire resulting from nuclear reaction or nuclear radiation or
radioactive contamination is insured against by this
Policy
GENERAL CONDITIONS
TERMS & CONDITIONS - PERMANENT STORAGE
A. Underwriters shall be entitled at their option to repair or
replace any article lost or damaged (whether wholly or in
part) or to pay cash not exceeding the insured value
thereof. Underwriters may require proof of ownership,
and/or value of any item claimed.
B. Breakage, scratching, denting, chipping, staining and
tearing of owner packed effects. Also excluding claims
for missing items of owner packed containers unless an
itemized valued list of contents is supplied by the owner
prior to storage.
C. Valuation Clause: The household goods and personal
effects insured must be valued at:
An amount equal to US $12 times the net weight of the
shipment in pounds. Further, the insured must provide a valued
listing of all items of unusual or unique nature valued over
$5,000 per item or set: otherwise reimbursement could be
limited to that amount. You are responsible to provide Proof of
Valued for all items of unique or unusual valued above $5,000.
Automobiles, campers, boats, motorcycles and trailers
must be valued at the cost to replace the item at
destination with another of the same year, make and
model
VALUATION AND CO-INSURANCE:
A. Insurers shall not be liable beyond the actual cash value
of the property insured hereunder at time and place of
loss or damage, which shall be understood to be the
amount it would cost to repair or replace the goods or
merchandise, lost or damaged, with material of like kind
and quality, with the proper deduction for depreciation,
however caused, but in no event shall Insurers be liable
beyond the amount declared by the Certificate Holder. In
the event the actual cash value of the property insured
being in excess of the amount declared, it is agreed that
the Certificate Holder shall be regarded as his own
insurer for the difference, and shall bear that proportion
of any loss which the uninsured amount bears to the
actual cash value of the said property.
B. It is understood and agreed that under "Valuation and Co-
Insurance", the words "replacement cost without
deduction for depreciation" may be substituted for the
words "actual cash value" provided the goods are covered
for a minimum of $12.00 per lb. plus high value items or
sets valued at $5,000 or more are listed and added to the
total value.
BASIS FOR CLAIMS SETTLEMENT: Underwriters agree to
settle claims for loss or damage at an amount not to exceed the
declared value or the cost of repairing or replacing the property
with new items of comparable quality, whichever is less.
 DELL CLAIMS INSTRUCTIONS

We are sorry your shipment has experienced loss or damage. It is our responsibility to work
with you to settle your claim quickly and fairly. To help us achieve this goal we ask that you
read the following information. It is intended to help you better understand the information
and assistance we need to adjust and settle your claim. We have also included a claim
reporting form we ask you to please complete and return to our attention. Contact information
is supplied.

Please remember:
When your shipment arrives, check carefully to verify the number of packages delivered and whether
any packages had been opened. Please inspect it carefully and note any exceptions or damage on
the delivering carrier's receipt. Keep a copy of this receipt for your records.

The terms and conditions of your insurance require you to make a notification of damage or
loss in writing within 90 days after the delivery of your shipment.

1. Send (mail/e-mail or fax) written notification to Willis Relocation Risk Group advising the
following:
A. Your Name and Address.
B. Nature of damage (breakage, pilferage, water, etc.)

2. Within 90 days after completion of Step 1, the following material must be presented to Willis
Relocation Risk Group:
A. Completed claim form.

3 Do NOT discard any damaged items until your claim has been settled.

Send documentation to:

Willis Relocation Risk Group
11240 Waples Mill Road, Suite 301, Fairfax, Virginia 22030 USA
Phone: 703-591 0093/1-800-443-3360 Fax: 703-591 1052
Email: WRRGClaims@Willis.com
Website: www.WillisRelocationRisk.com

CLAIMS INSTRUCTIONS
 Dell Corporation
Presentation of Loss & Damage Claim Form
CONFIRMATION NO.

When was your shipment packed?

Full Name
When was it shipped?
Address When did it arrive?

City State Zip Country When was it delivered to your residence?

Residence Phone Business Phone

When and where did you discover your loss?
Fax Number
Email Address
How do you believe your loss or damage occurred?
Address to which claim settlement should be mailed:
(If different from above)

Address
Any comments regarding your loss?
City State Zip Country
Is your shipment insured under any policy or insurance
contract?
What was the full value of all the property in your
shipment prior to the loss? US$
Packing Full Description of Articles and Details of Purchase Date of Replacement Amount of
List No. Damage Where Applicable Price Purchase Cost Claim

TOTAL AMOUNT CLAIMED (State Currency)

I certify that the claim presented is correct and truthful and that no material information has been omitted.
Signed: Date: Reimbursement in (Currency)
You may also file your claim on-line at www.WillisRelocationRisk.com

CLAIM FORM