Optional Shipping Insurance – Terms & Conditions

1. Introduction
   Hotel Products Direct (“we”, “us”, “our”) provides customers with the option to purchase Shipping Insurance (“Insurance”) to protect their order against loss or damage while in transit. The purchase of Insurance is entirely optional and may be selected on both the Cart Page and the Checkout Page by ticking the relevant box.
2. Insurance Fee
   2.1. The Insurance fee is calculated at three percent (3%) of the total order value (inclusive of GST).
   2.2. The Insurance fee is added automatically when the customer elects to purchase Insurance by selecting the optional tick box.
3. Scope of Coverage
   3.1. Insurance covers the following events occurring during transit:
          a. Loss of goods in transit;
          b. Damage to goods caused by courier handling;
          c. Missing parcels deemed lost by the courier provider;
          d. Replacement of affected goods or refund, subject to availability and approval.

         3.2. Insurance does not cover:
                a. Delivery delays;
                b. Incorrect or incomplete delivery information supplied by the customer;
                c. Theft, disappearance, or damage occurring after delivery has been completed;
                d. Items returned due to customer error, change of mind, or misuse;
                e. Damage occurring after the parcel has been signed for or accepted at the delivery address.

                f. By choosing Authority to leave (ATL), the customer acknowledges that the delivery confirmation provided by the courier will serve as the final proof of delivery.

                g. Please note that the delivery insurance does not cover the expiration or “use-by” dates of any consumable items included in your order.

    4.Claims Process

          4.1. All claims must be lodged with Hotel Products Direct within seven (7) days of the recorded delivery date.

         4.2. Claims must include:
                a. Photographic evidence of any damaged items and packaging, photographs must be clear and show the full quantity or condition of the concern;
                b. Order number and delivery details;
                c. Any additional information reasonably requested to assess the claim.

                d. Require thirty (30) days to assess the claim plus fourteen (14) days to action the claim.

                e. Hotel Products Direct will review the claim and, where appropriate, submit the matter to the relevant courier for assessment.
                f. Upon approval, we may arrange for a replacement, reshipment, store credit or partial refund, at our discretion.

5. Uninsured Orders
   5.1. If the customer elects not to purchase Shipping Insurance, the order is dispatched entirely at the customer’s own risk.
   5.2. Hotel Products Direct accepts no liability for loss, damage, or mishandling by third-party couriers for uninsured orders.
   5.3. In the absence of Insurance, replacements or refunds for issues arising during transit will not be provided.
6. Non-Refundable Fee
   The Insurance fee is strictly non-refundable, including where:
          a. The customer cancels or amends an order after dispatch; or
          b. The parcel is delivered successfully without issue.
7. Acceptance of Terms
   By selecting the optional Shipping Insurance tick box at checkout, the customer confirms they have read, understood, and agreed to be bound by these Terms and Conditions.