Chit Chats Coverage Terms

Who is the insurer?

Insurance is provided by U-PIC Insurance Services on behalf of Chit Chats Express.

Please read on for additional insurance details.

Brand Logo: Chit Chats
Who is the insurance broker?

The Canadian broker for U-PIC Insurance Services is HUB International Ontario Limited, 595 Bay St Suite 900, Toronto, Ontario M5G 2E3.

What items cannot be insured?

Accounts, bills, bullion, computer chips, contraband, currency, deeds, evidence of debt, firearms, furs, gift certificates, money, notes, personal goods, perishable cargo, precious/semi-precious stones, securities, televisions, tickets, or similar property unless endorsed in writing.

What countries are excluded by U-PIC?

Afghanistan, Algeria, Angola, Belarus, Bosnia and Herzegovina, Burundi, Cote d'ivoire (Ivory Coast), Croatia, Cuba, Democratic Republic of the Congo, Iran, Iraq, Jordan, Liberia, Libya, Moldova, Montenegro, Myanmar (Burma), Nigeria, North Korea, Paraguay, Republic of the Congo, Russia, Serbia, Sierra Leone, Somalia, Sri Lanka, Sudan, Syria, Togo, Yemen, Zimbabwe.

Helpful Definitions for Excluded Items
  • Bullion: Precious metal in the form of bars or ingots (Collectible coins are not excluded).
  • Computer Chips: Bare computer chips that are not attached to a circuit board.
  • Gift Certificates: Gift certificates and gift cards with any value loaded.
  • Currency/Money: Currency that is valued at its face value (Collectible coins/bills are not excluded).
  • Personal Goods: Any item that is not bought or sold to a customer.
  • Perishable Cargo: Items that can spoil, decay, expire, or have a shelf life of less than 3 years (alcohol is not excluded).
  • Precious/Semi-Precious Stones: Loose stones that are not attached to any ornament, necklace, ring, bracelet, earrings, or cufflink.
What happens if I need to file a claim?

Chit Chats clients can file an insurance claim here.

What happens if I need to check a claim status?

Chit Chats clients can check a claim status here.

U-PIC Coverage Details

THE COVERAGE INSURES the parcel and its contents against damage or loss from any external cause while in transit to, or from, premises utilized by the Insured and in care, custody, or control of carriers listed within the United States of America (including its possessions and trusts) and Canada EXCEPT as hereinafter excluded. Underwriters shall be liable for the invoice value of property lost, destroyed, or damaged; in the event there is no invoice, the Underwriters shall be liable for the actual cash value of the property.


  1. Accounts, bills, bullion, currency, deeds, evidence of debt, furs, original/fine art, computer chips, money, notes, securities, perishable cargo, precious/semi-precious stones, televisions, tickets, laptop computers, cellphones, personal goods, or similar property unless endorsed in writing.
  2. Merchandise shipped on consignment, memorandum, or approval unless shipped in fulfillment of an order or request.
  3. Loss, damage, or non-arrival of any parcel which
    1. is addressed, wrapped or packed insufficiently, incorrectly or contrary to the carrier's packaging requirements
    2. bears a descriptive label or packaging which tends to describe the nature of its contents.
  4. Any parcel containing personal goods to accommodate an employer and/or employee.
  5. Against loss or damage caused by or resulting from
    1. hostile or warlike action in time of peace or war, including action hindering combating, or defending against an actual impending or expected attack
      1. by any government or sovereign power (de jure / de facto), or by any authority maintaining or using military, naval, or air forces
      2. by military, naval, or air forces
      3. 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 an 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 of trade.
  6. NUCLEAR EXCLUSION. Notwithstanding anything herein contained to the contrary, it is hereby understood and agreed that this policy shall not apply to any loss, damage, or expense due to or arising out of, whether directly or indirectly, nuclear reaction, radiation, or radioactive contamination regardless of how it was caused. However, subject to all provisions of this policy, the direct physical damage to the property insured, located within the United States or any territory of the United States or Puerto Rico by fire directly caused by the above excluded perils, is insured, provided that the nuclear reaction, radiation, or radioactive contamination was not caused, whether directly or indirectly, by any of the perils excluded by this policy. Nothing in the above wording shall be construed to cover any loss, damage, liability, or expense caused by nuclear reaction, radiation, or radioactive contamination arising directly or indirectly from the aforementioned above.
  7. Arising out of infidelity, dishonesty, or any overt act on the part of the Insured, associate in interest, and/or any of the Insured’s employees whether occurring during hours of employment or otherwise, nor on the part of custodians (common carriers excepted), or the property insured unless specifically endorsed hereon in writing.
  8. Arising out of loss of market, latent defect, inherent vice, delay, loss of use, clean up costs, decay, changes in temperature or humidity, or other deterioration, any remote or consequential loss, whether or not arising out of a peril insured against.
  9. Arising out of loss from delivering the product to someone who obtains it by trick, false pretense, or other fraudulent schemes.


  1. It is WARRANTED by the Insured that all parcels under this coverage will be shipped in strict accordance with all regulations of the carrier and amendments thereof.
  2. THE UNDERWRITERS SHALL NOT BE LIABLE for any loss or damage to property covered by other valid and collectible Insurance nor for carrier's liability. Coverage shall be for EXCESS of aforementioned. COVERAGE CONTINGENT upon Insured being reimbursed by the carrier for carrier's liability. Payment from the carrier does not guarantee approval of claim.
  3. Failure to insure the total value of your goods on each shipment will result in a co-insurance penalty; i.e., We will not pay a greater proportion of loss than the values you reported divided by the actual values of the goods.
  4. The Insured must file notice of non-delivery or damage with U-PIC within ninety (90) days from date of shipment. There is a twenty-one (21) day waiting period before the Insured may file a notice of non-delivery to U-PIC for packages shipped domestic. There is a forty-five (45) day waiting period for packages shipped international before the Insured may file a notice of non-delivery with U-PIC. For packages shipped to Italy, there is a sixty (60) day waiting period. APO/FPO shipments require a forty-five (45) day waiting period before filing a notice of non-delivery with U-PIC. No claims will be honored if filed after the 90 day expiration period. The Insured will submit completed U-PIC claim form, copy of the original invoice to the consignee, signed and dated statement from the consignee, proof of damage if applicable and any additional documentation requested to substantiate loss. Shipping costs must be included in the declared value in order to be paid with claim. Handling fees and insurance fees are excluded from coverage. All damaged property for which payment (not repair costs) or replacement has been made, must, on request be returned to Underwriters. Failure to hold the damaged property until the claim has reached a resolution will result in the denial of the claim.
  5. The Insured will have one (1) year from the date of shipment to provide any required and/or additional documentation which has been requested of the Insured to substantiate said claim. Failure to provide the required and/or additional documentation within one (1) year from the ship date will result in the denial of the claim.
  6. Any covered loss will be promptly paid to the Insured or his Assignee after notice of loss or damage and required documentation has been received and accepted by Underwriters in accordance with the terms and conditions of this coverage, unless property is replaced, at the option of Underwriters, with like kind, function, and quality.
  7. Upon payment or replacement for loss or damage, the Underwriters shall be subrogated to all of the rights of the Insured including whatever money may be recoverable, but excluding any deductible amounts applied to any claim settlement on account of said loss or damage from the carrier, or any of its officers or agents, or from any other person or corporation whatsoever. The Insured specifically covenants and agrees to assist the Company in every possible manner to secure reimbursement of said loss or damage. In the event the carrier admits to fraudulent activity from carrier employee’s, the insured will take action against the carrier and not hold U-PIC responsible for claims associated.
  8. No suit or action or proceedings for the recovery of any claim under this Coverage shall be sustainable in any court of law or equity unless the same is commenced within twelve (12) months after discovery by the Insured of the occurrence which gives rise to the claim, provided however, that if by the laws of the State within which this Coverage is issued such limitation is invalid, then any such claim shall be void unless such action, suit or proceeding be commenced within the shortest limit to time permitted by the laws of such State to be fixed herein.


U-PIC Insurance Licenses
#2E61972 #0E61972

The Continental Insurance Company  /  Continental Casualty Company
Policy Number 250148  /  Policy Number 665428091

Canadian Broker:
HUB International Ontario Limited
Broker Signature
Jaap Nuis FIIC, CRM