how to start saving for retirement at 35

28/02/2021

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Which Should Come First, Saving for Retirement or College? “It might take a little more work but it’s definitely doable. Whichever option you choose, you need to put your money to work where you’ll get the most bang for your buck. 10'000 Hours/Getty Time is the greatest tool we have for building wealth. It just gets worse from there, so that if you do not start saving until age 50 you need to save every dime you make. For others, it may mean cutting back on non-essential spending. While this could extend the amount of time it takes the child to receive a degree or diploma, the trade-off is being debt-free after graduation. Unfortunately, some boomerangers fall back into the pattern of having their parents pay for their living expenses, which can have a negative impact on the ability to save for retirement. Find an investing pro in your area today. We may fantasize about international adventures or beachside escapes, but rarely do we lay the groundwork for realizing our retirement dreams financially. It also excludes Social Security income. Dually employed with kids (DEWKS) describes a household in which there are children and both partners earn an income. A 40-year-old who is eligible to fully contribute to a Roth IRA can add considerable extra money each year to their retirement savings. Similar to the situation with boomerangers, this can put quite a strain on the caretakers' finances and could prevent them from saving for their retirement. Couples who start saving at the age of 20 with no pension savings would need to contribute £213 per month collectively for a comfortable retirement, whereas if both parties started saving at age 40 they’d need to save £384 per month. Should You Buy Life Insurance? You may have even bought a book or magazine about it. take out a loan on your retirement account balance, Income Ranges for Determining IRA Eligibility Change for 2021. Emily puts $200 per month into a retirement account with an estimated 6% rate of return starting at 25. Certainly, save for college, but not at the expense of your retirement goals.". Morningstar's Retirement Savings Calculator uses your age, salary and current savings to determine how much of your annual income should go toward retirement savings. If, however, you're in the final years of your mortgage and your payments are primarily being applied to the principal, you may be better off investing that money for retirement. It's never too early to start your retirement savings. As long as you are earning £10,000 or more as an employee and are aged 22 or over, you will automatically have been enrolled into your workplace pension by your employer, unless you have specifically chosen to opt out. HavenLife. Most employers will give fair consideration to a reasonable request for a salary increase. Similarly, consider whether you should make extra payments on your mortgage. Indeed, surveys have repeatedly s… "You’re in Your 50s. Financing is available to pay for college, but not for retirement. In other words, if you want to live on an income of $30,000 to $40,000 per year in retirement, you'll need a portfolio of at least $1 million. Asset Allocation By Age: A Rule of Thumb to Forget? Paula Pant is an expert on retirement planning, financial planning, debt management, and budgeting who speaks and writes regularly on personal finance subjects. This may make saving and planning for retirement easier than starting to save later in your career. Invest a percentage equivalent to your age in bond funds, with the rest going into stock funds. If the amount is being redirected toward things that the family needs, perhaps the retirement savings goal and the budget are not realistic and need to be revised. Invest a percentage of 120 minus your age in, Invest a percentage of 110 minus your age in stock funds, with the rest in bond funds. At age 35 you need to save 30.1%. The potential returns are higher: Rather than 7%, there's a chance that your investments can grow 10% or 12%. If you save what is left at the end of the month, you will likely not have anything left to save.". Funding a child’s college education should not come at the expense of your retirement goals. IRS. These are known as the " 3 percent " and " 4 percent" retirement rules. If you're in your 40s, you can't turn back the clock and regain those decades of saving for retirement. There are, after all, more immediate concerns: job, kids, mortgage payments, car paymentsthe list goes on. And think of it this way. Formalize financial boundaries for boomerang kids. Saving early means: you have to save less each month; your money will have more time to earn a larger amount of compound interest; Example: How much you need to save each month if you start to save for retirement early. That's a nice start to building wealth for retirement. He has helped individuals and companies worth tens of millions achieve greater financial success. While some may be able to pay for their children's education and still save for retirement, most cannot. For instance, consider the following. You'll be on track to have more than $1 million by the age of 63. Saving more than an affordable amount can have a negative impact. Next best time to plant a tree is now. A luxurious retirement would require £456,500 in a couple’s pension pot. One way to overcome that challenge is to treat savings as a recurring expense. This is a more conservative level of risk. Dave starts saving $200 per month at 35, just 10 years after Emily. Saving for Retirement vs. Paying for College, Set Financial Boundaries for Boomerang Kids, Consider Long-Term Care Insurance for Aging Parents. The offers that appear in this table are from partnerships from which Investopedia receives compensation. "Set up an automated savings plan where a monthly amount goes into your savings account that you do not touch. If so, an easy fix would be to stick to the budget and eliminate these unnecessary expenses. This comes with a more moderate. “The good news is that a 35-year-old can start their retirement saving from £0, and still retire comfortably,” he insists. Consider long-term care (LTC) insurance for aging parents. Having one to one-and-a-half times your income saved for retirement by age 35 is an attainable target for someone who starts saving at age 25. Parents may also want to make it clear that, like tenants, they will be evicted if they do not pay their fair share of the expenses. Many financial experts say that whole life insurance is generally not as good an option, especially if you're starting the policy in your 50s. At your age, in 2021, as in 2020, you're legally allowed to save $19,500 in a 401(k) retirement plan. These individuals are commonly referred to as boomerang kids. If you find yourself needing to withdraw amounts from your retirement account to cover emergencies, it could mean that your emergency fund is insufficient. When deciding whether to increase what you save in your retirement accounts, first consider the following questions. Start at age 20, and you need to save 11.1% of annual income for life. Your 401(k) may or may not allow you to take out a loan on your retirement account balance. At that point, all else equal, you'll have more money than your friend, despite having put away only half as much. Financial experts advise that an emergency fund account should have at least three months' worth of net income to cover unplanned expenses. Saving at that rate starting this late in life isn't going to get you to where you would have been if you'd been saving diligently your entire career. As such, the best gift you can give your children is your own financial retirement security. Six months is even better. As an individual gets closer to middle age, panic can set in if an assessment of retirement savings indicates that the program is not on target. Imagine that you recently celebrated your 40th birthday and finally decided to learn about the importance of saving for retirement. Don't go broke to put your kids through college. This assumes you don't have a pension, rental properties, or other sources of retirement income. Personal finance is all about managing your personal budget and how to best invest your money to realize your goals. You might tell yourself you don't need a million dollars or that you just want a simple life. This gives you the chance to accumulate more in your savings pot, while if you start later in life you might find yourself playing catch-up. The question then becomes, which is the better financial choice? But even a simple life can require $1 million in the bank after you quit working. The earlier you start taking your pension, however, the earlier you might find that the pot starts to deplete. In fact, according to CNBC, the median retirement savings for those … Continue reading How Do I Start Saving For Retirement If I’m 45? If you start saving $100 per month at age 20 and earn an 8 percent rate of return each year, you will have about $18,000 in savings at 30. If you have dependents, consider term life insurance for the duration of the time that your dependents will rely on you financially. The sandwich generation refers to middle-aged individuals who are pressured to support both aging parents and growing children. A ‘luxurious’ retirement. Realistic budgeting is key to a solid savings program. Your risk should always be aligned with your age. Most parents want their children to graduate from college debt-free so they can start their career with a clean financial slate. Similar to retirement savings, treat amounts added to the emergency fund as a recurring expense so you aren't faced with an unanticipated financial burden when a crisis hits. If you do the math, 3% of $1 million is $30,000, and 4% is $40,000. Except, it says that you should have started saving for retirement in your 20s. "Some families want their children to have some skin in the game and will pay for some college themselves," says Derek Hagen, CFP®, CFA, financial planner and founder, Fireside Financial LLC, Edina, Minn. "For those families, contributing more to retirement than college would probably work best. Fidelity, the nation’s largest retirement-plan provider, recommends having the equivalent of twice your annual salary saved. "Asset Allocation By Age: A Rule of Thumb to Forget?" The sooner you start saving, the longer you have to take advantage of the power of compound interest, which is the interest you earn on … At age 25 you need to save 15.4%. "One of the golden rules of budgeting in savings is to pay yourself first," says Kirk Chisholm, wealth manager at Innovative Advisory Group in Lexington, Mass. Investor.gov. Many employers will even reimburse college students for some or all of the tuition expenses, provided they receive a passing grade for the course. If your parents can't afford the cost, helping them pay for it could be worth it in the long run. (It's $26,000 if you're 50 or over.) The easiest way to start saving for retirement is to join your workplace pension scheme. While there is no cookie-cutter retirement planning solution, the following tips may be helpful to those who find themselves in this situation and are struggling to save for retirement. Of course, mental health is just as important as financial health. At age 35 you start saving for retirement. Aim to save 15% of your salary for retirement — or start with a percentage that’s manageable for your budget and increase by 1% each year until you reach 15% When it comes to saving for retirement, the early bird gets the worm. You’re in Your 50s. It’s also crucial to set a realistic budget, which should include an emergency fund. Accessed Nov. 4, 2020. If you're in an early stage of your mortgage, and most of your payment is being applied toward interest, it might make sense to pay down some of that principal. But, also, know that you’re not alone; though it’s not ideal, plenty of people haven’t saved a penny for retirement at your age. Experts advise that you should sock away at least three months' worth of living expenses before you begin saving for retirement. Accumulating a large nest egg is easier if you begin saving at a young age. Some people make the mistake of taking on additional investment risk to make up for the lost time. Those are the maximums set by the Internal Revenue Service (IRS) for the 2020 and 2021 tax years. As you can see, the magic of compounding makes it possible to realize your retirement savings goals even if you start late. For a working person, the golden years of retirement can be both easy and difficult to imagine. Amid this daily grind, its easy to put retirement savings on the back burner, especially when its 15, 20 or 30 years off. The best order to save for retirement is: Contribute to your 401k up to the company match Max out your IRA to the annual contribution limit Go back and max out your 401k to … Age 35 or thereabouts should be some of the best years of your life. Options for financing college include grants for those who are eligible, scholarships for those who qualify, and loans. I'm here to tell you as someone who retired at age 34, who has also been writing about achieving financial freedom since 2009. The budget must not only allow for retirement savings and everyday living expenses but should factor in allocations to an emergency fund. Le Roux said as an actuary he wouldn’t recommend that everyone under the age of 35 should contribute nothing towards their retirement. It may seem like a good idea to add larger amounts to your retirement nest egg. Assuming a 7% rate of return, your 401(k) account balance will grow to $1 million in 22 years and 10 months if you contribute the maximum amount each year. At age 30 you need to save 21.4%. Quite a few services provide information on the average salary for certain job types and locations. Is increasing retirement savings a realistic objective? At age 40 you need to save 43.2%. "What they don't realize is that retirement savings needed are usually massive, well over 10 times, if not 20 or 30 times, the savings required for college. If you’re 45 and haven’t begun saving for retirement yet, know that you’ve got some major work cut out for you. Even if in 35 yrs time the retirement age hasn't extended and through medical progress we're feeling nowhere closed to 65, 35 years is a long long time still. But the risk, the potential for loss to your principal, is also much higher. The money you stash in a 401(k) by age 35 has 30 years to grow before retirement at age 65. There is now much greater flexibility in the ways that you can access your retirement savings and when you can start withdrawing the money. You'll even avoid capital gains tax on the growth of your contributions. The natural reaction is usually to increase the amount being saved in order to get closer to the target saving amount. Saving 15% of income per year (including any employer contributions) is an appropriate savings level for many people. Assume you're 40 years old, with $0 in retirement savings. Further, adult children who are unable to pay the cost for elder care often find it necessary to take care of their parents themselves. Savings benchmarks based on age and salary can serve as a helpful way to track progress against saving for retirement. Don't accept extra risk in your portfolio. Don't trash your retirement savings plan to send your children to college. You're well past that age and still haven't even started saving for retirement. While most children leave home to live on their own by their mid-to-late 20s or thereabouts, many do not. Those aged 35 to 44 and older often struggle to save for retirement while juggling financial responsibility for children and aging parents. David Kindness is an accounting, tax and finance expert. Delay retirement until age 67, and you can reduce your monthly investing amount to $650, a little more than 15% percent of a $50,000 income. LTC insurance can be used to cover various expenses, including in-home healthcare or healthcare at nursing homes. They can start saving for retirement in their 20s and 30s. Fortunately, you do have options even if you're getting a late start. "Income Ranges for Determining IRA Eligibility Change for 2021." If you start socking away $200 a month in a retirement account from the moment you land your first full-time job at age 22, within ten years you'll have a … People in their 40s can accept less risk, people in their 50s still less, and so on. You might consider one of the following asset allocation formulas: Once you're finished maxing out your 401(k), open an IRA and maximize your contribution to that as well. If you pay yourself first, then you tend to adjust to a lower amount of discretionary spending. Many years ago, for those working in companies with pensions and good salaries, retirement funding was explained as the three legged stool. However, if it means that the reduction in disposable income will either result in increasing credit card and other debts incurred for everyday expenses, increasing retirement savings could actually have a negative effect on your bottom line. "Most families prioritize college savings over retirement because it's the closest large expenditure," says Rob Schulz, CFP®, president of Schulz Wealth, Mansfield, Texas. A copy of such an analysis would go a long way in helping to make your case. Arbor Investment Planner. 1 Tally up what you spend on rent or mortgage payments, utilities, transportation, insurance premiums, uninsured health care … Individuals ranging in age from 35 to 44 or older often fall into a category referred to as the sandwich generation because they find themselves taking care of their children and parents at the same time. Remember that college graduates move on to an income-generating career, while retirees rely on retirement savings rather than a job for income. But you can accumulate a pretty impressive stash. As such, they must save as much as possible to increase the possibility of experiencing a financially secure retirement, and to make working during retirement optional rather than mandatory. When should I start saving for retirement? At 35, you should also be super-focused on your personal finances. Talk to a fee-only financial planner to get personally-tailored advice. Investor A starts saving for retirement at the age of 20 with a monthly contribution of R500 (so the investment term is 45 years). Accessed Nov. 4, 2020. By using The Balance, you accept our. Accessed Nov. 4, 2020. It not only serves to ease the financial burden on the children but can also negate the need for aging parents to tap into their retirement savings to pay for healthcare. Generation X was born between the mid-1960s and the early-1980s, after baby boomers and before millennials. ... even though you didn't contribute a dime beyond age 35. I work in the film industry and may make anywhere between $0-$15k a month depending on the gig. Reduce your risk by buying adequate health insurance, disability insurance, and car insurance. Retirement planning is the process of determining retirement income goals, risk tolerance, and the actions and decisions necessary to achieve those goals. "Individual Retirement Accounts (IRAs)." Fast Answer: 1. If it is because the budgeted amount is not being saved on a regular basis, and is that a result of the amounts being redirected toward unnecessary expenses? The cost of caring for aging parents usually increases as they get older, and most of the expense is due to healthcare. She graduated magna cum laude from the University of Colorado at Boulder and is a real estate investor with multiple rental properties. Your friend starts saving at age 35 and saves the same $10,000 a year for the next 30 years, until you both retire. Pay off credit card debt, car loans, and other high-interest or non-mortgage debt. How Much Money Should I Put in My 401(k)? When pondering such a decision, the options available for financing a college education should be weighed carefully. If your investment plan pays an APR of 6% and you want to have $1.5 million when you retire in 30 years, how much … Even starting at age 35 means you have 30 years to save for retirement, which will have a substantial compounding effect, particularly in tax-sheltered retirement vehicles. Most experts agree that during your retirement, you should withdraw no more than 3% to 4% of your retirement portfolio each year. Most personal bankruptcies are caused by an unexpected calamity. How to Talk About Saving for Retirement Guide, 7 Tips for Saving for Retirement if You Started Late, The Percentage You Should Save Each Month for Retirement, Average Retirement and Emergency Savings By Age, 7 Ways to Jump-Start Your Retirement Savings, Here Are Some Tips and Benefits for Investing in Your 401(k), 10 Strategies for Late Starters to Boost Retirement Savings Fast, How to Structure Your Retirement Contributions for Maximum Benefit. Those aged 35 to 44 and older often struggle to save for retirement while juggling financial responsibility for children and aging parents. Budgeting should not mean depriving yourself of a treat every now and then. A baby boomer is a person who was born between 1946 and 1964 and belongs to a generational group that has had a significant impact on the economy. Most experts agree that you should withdraw no more than 3% to 4% of your retirement portfolio each year during your retirement. In any case, your kids have their entire lives ahead of them. Accessed Nov. 4, 2020. Your kids have more options and opportunities than you do. With the shift from defined-benefit plans to defined-contribution plans and the fact that Social Security has never provided enough for a comfortable retirement, individuals are largely responsible for financing their retirement years. 2. For those who don't want their child to have to pay anything, they'll probably pay more toward college until college is done, and then ramp up their retirement savings.".

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“The supplier” means where the context so permits, Skipandwaste.com or Skipandwaste.com’s duly
authorised agent or subcontractor.

“The hirer” means the person or company requesting provision of hire item(s) by Skipandwaste.com.

“The supply coordination” means the service Skipandwaste.com are offering to the Provider by way of coordinating the service of introducing the Hirer to the Provider, and co-ordinating the service of facilitating the disposal of waste by the Provider for the Hirer.

“The service” means the arrangement and coordination of the supply of hire item(s) by the Provider, its employees, servants, agents or subcontractors for the period of hire to facilitate the certificated and documented removal of refuse on behalf of the Hirer and the subsequent certificated and documented disposal of the contents of such hire item(s) or hire item(s) on behalf of the Hirer.

“The hire item(s)” means any hire item(s) or any other hire item(s) provided as part of the service.

“The site” means the place where the hire item(s) is deposited at the request or direction of the hirer.

“The period of hire” means the period from delivery of the hire item(s) to the hirer, to collection thereof, from the hirer or such time as collection thereof ought reasonably to have been completed by the supplier.

“Working day” shall mean Monday to Friday in any week.

“Force Majeure” means any circumstances beyond the reasonable control of either the provider or the supplier (including, without limitation thereto, any strike, lockout or other form of industrial action, accident, unprecedented locally inclement weather, difficulties in obtaining fuel parts or machinery, power failure or breakdown, or malfunction of machinery or computers.

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4. All requests for the service shall be deemed to be an offer by the Provider to purchase the services of the supply coordinator Skipandwaste.com pursuant to these conditions and the service is offered subject to the availability of suitable hire item(s) to the provider. The Hirer agrees that they will rely wholly on their own hire item(s) and judgement in the selection of the service and will not treat any information supplied to them by the service coordinator, or Provider, as a representation, warranty or guarantee in any manner whatsoever.

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7.
a) Except as specifically otherwise agreed in writing, the provider or supplier shall be under no obligation to deposit the hire item(s) elsewhere than on a highway.

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(iii) To promptly, on the arrival of the vehicle, accept delivery and provide any necessary directions and a suitable site.
(iv) To ensure that an authorised person is present at the time of delivery to sign an acknowledgement of delivery and or collection of the hire item(s) and that such authority is signed on delivery or collection by such authorised person and not otherwise, and the Hirer agrees that any delivery or collection note signed by a person with apparent authority to do so shall be deemed to be signed by an authorised representative of the hirer and that where no such person is available to sign such proof of delivery or collection, within the stipulated time nominated by the provider at the time of placing the order, from arrival of the hire item(s) or the vehicle at the site the provider’s written confirmation of delivery shall be final and binding upon the Hirer.

c) The Hirer shall hold harmless and keep Skipandwaste.com indemnified against any claim, demand or penalty arising during the period of hire and which could not have been made had the provider not agreed to provide the service including, but not limited thereto all 3rd party claims, or claims for damages arising out of accidents related to any hire item(s) the subject of this contract.

8. i) The price for the provision of the service shall be such sum as shall from time to time be agreed between the parties and in default of agreement shall be the reasonable value of services (Quantum Meruit) which, unless otherwise agreed, shall be exclusive of VAT which shall be payable by the Hirer.
ii) Except where the Hirer has a previously approved credit account with Skipandwaste.com payment for the provision of the Service shall be made in full by the Hirer to Skipandwaste.com prior to the delivery by Skipandwaste.com of any hire item(s).
iii) Where the Hirer has an approved credit account, Skipandwaste.com shall be entitled to invoice the Hirer immediately for all the services already provided, and those which are pending; the Hirer shall pay the price for the provision of the service to Skipandwaste.com within 30 days of the date of Skipandwaste.com’s invoice. The time of payment of the price shall be of the essence of the Contract.

iv) The Hirer agrees that in the event that the Hirer shall fail to pay Skipandwaste.com’s nominated account in accordance with the terms in effect, Skipandwaste.com shall for such purposes be entitled to enter upon any premises of the Hirer, or any third party from whom waste was collected for such purposes as recovery of goods equivalent to the outstanding element of the contract.
v) Skipandwaste.com reserves the right to grant, refuse, withdraw, restrict, alter or cancel credit terms at its sole discretion. Where the Service is to be supplied over a period of time, each instalment thereof shall be treated as a separate contract and failure by Skipandwaste.com to provide any one or more instalments, shall not entitle the Hirer to treat the contract as a whole as repudiated.
vi) If the Hirer fails to make any payment on the due date then, without prejudice to any other right or remedy available to Skipandwaste.com, Skipandwaste.com shall be entitled to:
a) Cancel the contract or suspend any further deliveries to the Hirer.
b) Appropriate any payment made by the Hirer to such of the services (or the Services supplied under any other contract between Skipandwaste.com and the Hirer) as Skipandwaste.com may think fit not withstanding any purported appropriation by the Hirer; and
c) charge interest on such sum from the due date for payment at the annual rate of 4% above the base lending rate from time to time of Nat West bank plc, accruing on a daily basis and being compounded quarterly until payment is made, whether before or after any judgment and the Hirer shall pay the interest immediately on demand. Skipandwaste.com may claim interest under the Late Payment of Commercial Debts (Interest) Act 1998 per month until payment in full is made (a part of a month being treated as a full month for the purpose of calculating interest).
d) Charge the hirer’s credit and or debit card as listed on the credit card and bank reference form to bring the account back into agreed trading terms.

9. The Hirer shall ensure that the delivery site is prepared for receipt of the hired skip, and where so required to do by the Provider, direct the Driver where to deposit or pick up the hire item(s).
a) Failure by the Hirer to ensure that the site of hire is duly prepared and ready to receive, or have removed as part of the agreed service, the hire item(s) will result in a charge being applied for the amount of £100 or the total cost of the Provider’s wasted journey/visit fee, or whichever is the greater.

10. a) Where Skipandwaste.com or the Driver are requested or directed to deposit or pick up hire item(s) on, or from a site, which is off a highway; or where delivery otherwise involves the passage of the vehicle over gratings, drains, roads, pavements, forecourts, yards, asphalt areas or any like areas, Skipandwaste.com shall be under no liability whatsoever to the Hirer for any damage howsoever caused whilst the vehicle is off the highway. To the fullest extent permitted by the law, Skipandwaste.com shall not be held liable for any negligence or tort on the part of the skip provider. Without prejudice to the generality of Condition 7c) the Hirer shall subject as above, hold harmless and keep Skipandwaste.com indemnified against any claim or demand which could not have been made had the Driver not been so requested or directed. The Hirer will, in addition, compensate Skipandwaste.com or the provider for any damage to the vehicle or the hire item(s) which would not have occurred had the Driver not been so requested or directed and which is not due to any negligence on the part of the Driver.
b) If Skipandwaste.com is prevented for any reason beyond its control from delivering or collecting a hire item(s), the Hirer shall remain liable for Skipandwaste.com’s charges together with such additional sums as the Provider shall reasonably so require for the further provision of the Service.
11. The usual time allowed for depositing or picking up hire item(s) is ten minutes. If the vehicle is kept waiting longer than this after arrival the Hirer shall be liable for reasonable demurrage, as described by the Provider in their terms and conditions of usage.

12. The standard time allowed for a ‘Wait & Load’ is fifteen minutes. If the vehicle is kept waiting longer than this initial time, the hirer shall be liable for a waiting charge as described by the Provider in their terms and conditions of usage.

13. The Hirer shall ensure that all permissions required before the hire item(s) can lawfully be deposited on the site including the permission required under the Highways Act 1971 have been, or will be obtained, before they request the Provider, or direct the Driver to deposit the hire item(s) on the site; and that the said permission will be kept in force during the period of hire and where necessary for up to 3 working days thereafter. The hirer will ensure that all hire item(s) sited on the highways will be lighted and coned in accordance with the terms and conditions of the highways act and the issuing local authority’s demands.

14. The Hirer shall not move the hire item(s) from the site without the consent of the Provider and where necessary the highway authority; and in any case will undertake to notify Skipandwaste.com as soon as is reasonably possible.

15. The Hirer shall ensure:

a) That the Hirer signs a single or multiple consignment transfer note declaring the waste type and that the waste is accurately described when completing the transfer note.

b) Where the waste type does not conform to the description, as specified on the waste transfer note, or is different to that as specified at the time the hire item(s) was ordered, then charges will vary accordingly.

c) Where inert waste loads (soil/hardcore/muck) are ordered and they are found to contain other waste types, in particular mixed builder’s waste materials thus contaminating the load, the hirer will be charged accordingly for the hire tipping charges (typically £82.50 per tonne). In particular the hirer must be aware of the considerable differences in landfill tax rates. Currently £2.50/tonne for inert materials and £82.50/tonne for active waste materials.

d) Where appropriate, waste is only stored in suitable containers.

e) That no liquids, explosives, toxic, or dangerous materials including, but not limited to fibrous asbestos, solvents, minerals or greases will be placed in the hire item(s) without the written consent of the supplier; and that the contents of the hire item(s) when loaded conform to the requirements of S.I.1980/1709 or any re-enactment thereof and the local waste regulation authority with regard omits suitability for disposal as general or special waste as a controlled waste disposal site.

f) If any waste to which the said section applies is placed in any hire item(s) the Hirer will immediately give the notices required by the said section and send copies of such notices to both Skipandwaste.com and the Provider.

g) That no bonded asbestos will be placed, save where the Hirer has given to Skipandwaste.com, a minimum of seven days’ notice of their intentions so to do and obtained the written agreement of Skipandwaste.com and agreed to the charges to be made with regard thereto.

h) No cans, bottles or other liquid containers are placed in the hire item(s) unless they are dry, free from liquid, residues and open for inspection.
i) That no fridges, freezers, vehicle tyres, car/commercial vehicle batteries and any other waste types, which following changes in legislation from time to time may become classified as a special difficult, or hazardous waste type.

16. The Hirer shall ensure from the time that the hire item(s) is deposited until it is picked up again by the Provider/Supplier:-

a) It is properly sited in accordance with any relevant permission and that all conditions thereof are observed and performed at all times.

b) It is properly coned where necessary during the hours of daylight and coned and lighted during the hours of darkness.

c) No fires are lit in, and no corrosive acid or noxious substance, liquid cement or concrete placed in the hire item(s).

d) It is filled no higher than the top of its sides and in such a manner as to prevent spillage of material, both whilst the container is stationary, or in transit. Where hire item(s) are located on public or third party property and waste is accumulated for any reason whatsoever in the immediate proximity of the hire item(s), Skipandwaste.com reserves the right to supply a further hire item(s) to contain the surplus material and to transfer the same to the hire item(s) and to debit the Hirer with the reasonable costs of so doing.

e) It suffers no damage except fair wear and tear. All damage by fire, vandalism or other means, the Hirer will reimburse the Provider all costs for either replacement or repair; unless the Hirer has taken out an insurance policy with Skipandwaste.com, or provides their own insurance to cover all loss and/or damage whilst the hire item(s) are under the Hirer’s care.

f) No danger is caused by the hire item(s) or its contents to any third party and in particular, but without limitation thereto, to children.

g) No unauthorised removal of the hire item(s) shall take place by the hirer or a 3rd party contractor without the prior consent of the provider. The hirer will be debited all reasonable costs incurred in returning the hire item(s), or in cases where the hire item(s) is deemed lost or stolen the hirer will reimburse the Provider in full. Please note that many insurance policies will not cover theft of hire item(s).

17. Notwithstanding the terms of condition 15 it shall be the Hirer’s duty to notify the Provider of, and the Provider’s responsibility to ensure compliance with, any condition imposed by a highway authority relating to the marking of the hire item(s) with reflective paint.

18. Except as specifically otherwise agreed in writing the Hirer shall fill the hire item(s) within the period of hire as specified by the Provider and shall inform Skipandwaste.com in good time of its readiness for collection or replacement. The Hirer shall ensure that, from the time when collection of the hire item(s) is due to take place until the same is collected, there is left a clear space at one end of the container to terminate the hiring of the hire item(s) the minimum notice period shall be one clear working day.

19. The Provider may arrange the removal or repositioning of the hire item(s) if required at any time to do so by a highway authority or constable in uniform under Section 140 of the Highway Act 1980. The Hirer shall be responsible for the reasonable additional cost thereof on the part of the Provider or Supplier.

20. It is the responsibility of the hirer’s representative on site to keep the hirer’s copy of the ‘Proof of
Delivery’ ticket. Any copies required at a later date will be subject to a £30 administration charge.

21. Except as specifically otherwise agreed in writing, the Provider agrees to dispose of the contents of the hire item(s) as shall be in accordance with the terms of the contract. The Hirer agrees that they will pay the Provider’s reasonable charges of dealing with any of the contents of any hire item(s) which do not comply with the terms of this contract.

22. Risk and Title: The risk in relation to any hire item(s) supplied pursuant to this Contract shall pass to the Hirer upon delivery, in accordance with the Hirer’s request or direction and shall remain with the Hirer until the hire item(s) are collected by the Provider. Title shall not transfer to the Hirer under any circumstances.

23. Where the Service is provided under a consumer transaction as defined by the Consumer Transaction (Restriction on Statements) order 1976, the statutory rights of the Hirer are not affected by these conditions.

24. It is specifically provided and agreed that any compensation &/or damages payment in respect of any claim or claims arising out of, or in connection with, the terms of this contract for any reason whatsoever and howsoever arising, shall not amount in the aggregate to more than the cost of the provision of the service by the Provider, or that part of the Service giving rise to such claim, and in any event not more than £1000; and Skipandwaste.com and any other person entitled to the benefit of this contract shall have no further liability to the Hirer. Except in respect of death or personal injury caused by the negligence of Skipandwaste.com or any other person entitled to the benefit of this contract, Skipandwaste.com or such party shall not be liable to the Hirer by reason of any representation, or any implied warranty, condition or other term, or any duty at common law, or under the expressed terms of this contract, for any consequential loss or damage (whether for loss of profit or otherwise), costs, expenses or other claims for consequential or incidental compensation whatsoever (and whether caused by the negligence of Skipandwaste.com or any other party entitled to the benefit of this contract, their employees, or agents, or otherwise) which arise out of, or in connection with the supply of the service, except as expressly provided in these conditions.

25. Skipandwaste.com shall not be liable to the Hirer or be deemed to be in breach of the contract by reason of any delay in performing, or any failure to perform, any of the provider’s, supplier’s, or co-ordinator’s obligations in relation to the service, if the delay or failure was due to force majeure.

26. Insolvency of Hirer:

a) This clause applies if:

i) The Hirer makes any voluntary arrangement with its creditors or becomes subject to an administration order or (being an individual or firm) becomes bankrupt or (being a company) goes into liquidation (otherwise than for the purposes of amalgamation or
reconstruction); or ii) an encumbrance takes possession, or a receiver is appointed, or any of the property or assets of the Hirer, or

iii) The Hirer ceases or threatens to cease; to carry on business; or

iv) Skipandwaste.com reasonably apprehends that any of the events mentioned above is about to occur in relation to the Hirer and notifies to the Hirer accordingly.

b) If this clause applies, then without prejudice to any other right or remedy available to Skipandwaste.com, Skipandwaste.com shall be entitled to cancel the contract or suspend any further deliveries under the Contract without any liability to the Hirer, and if the Services have been provided but not paid for, the price shall become immediately due and payable, not withstanding any previous agreement or arrangement to the contrary.

27. Refund Policy

27.1 Application for refunds must be sent directly to Skipandwaste.com, in writing, addressed to the Customer Service Manager.

28. Cancellation Policy – Cancellation of Hire. If the hirer chooses to cancel the hire, the following charges will be levied:

More than 4 days’ notice – 10% of total hire charge

1-3 days’ notice – 50% of total hire charge

Less than 24 hours’ notice – 100% of total hire charge

Please note cancellation charges apply on all orders once instruction to deliver has been taken.

Additional Terms & Conditions for Domestic Private Hire

The hirer is responsible for ensuring the position for hire item(s) delivery has a clear access. Blocked access due to abandoned vehicles or materials resulting in failed delivery/collection will incur standing time and or an aborted delivery charge (known generally as a wasted journey fee). The Hirer is responsible for theft or damage to hire item(s) whilst on hire & until hire item(s) is removed by the hire item(s) owner.

Skipandwaste.com cannot accept any liability for any costs incurred through damage to the hirer’s driveway or other property whilst delivering or collecting the hire item(s) off the public highway.

The hire item(s) vehicle is invited off the highways onto private property at the hirer’s own risk, and is a separate arrangement to be confirmed with the Provider. Please note that we draw your attention to the fact that tarmac, block paved, and pattern-imprinted concrete driveways are at most risk.

The Hirer is also responsible for pointing out low lying cables, narrow entrance pillars, manhole covers, and any other potential risks or obstructions to Hire item(s) or the driver, prior to the hire item(s) delivery.
The local authority may require the lighting and coning of all on-road hire item(s) and, unless otherwise advised, it is necessary to obtain the necessary council consent with a road permit. Hirers should note that the fines for failure to light and cone a skip correctly vary according to the regulations set by the permit issuing authority. Hirers are advised to consult https://www.gov.uk/apply-skip-permit prior to completing the request of the hire item(s). Skipandwaste.com can assist in the facilitation of the provision of a valid permit. Please be advised that there will be an administration charge of £15 per permit/paperwork application.

In all cases delivery and collection times are given for guidance only and Skipandwaste.com accepts no liability for any costs incurred due to delays in delivery/collection; or failure to deliver on the preferred delivery date, or at the preferred time due to unforeseen circumstances. In all circumstances invoices exclude exceptional conditions such as force majeure.

In Addition to the above terms

1 INTERPRETATION

1.1 In these conditions the following words have the following meanings:
“Contract” means a contract which incorporates these conditions and made between the Customer and the Supplier for the hire of Hire Goods and/or the sale of Products;
“Customer” means the person, firm, company or other organisation hiring Hire Goods;
“Deposit” means any advance payment required by Skipandwaste.com in relation to the Hire Goods which is to be held as security by Skipandwaste.com;
“Force Majeure” means any event outside a party’s reasonable control including but not limited to acts of God, war, flood, fire, labour disputes, strikes, sub-contractors, lock-outs, riots, civil commotion, malicious damage, explosion, terrorism, governmental actions and any other similar events;
“Hire Goods” means any machine, article, tool, skip, ‘wheelie bin’ and/or device together with any accessories specified in a Contract, which are hired to the Customer;
“Hire Period” means the period commencing when the Customer holds the Hire Goods on hire (including Saturdays, Sundays and Bank Holidays) and ending upon the happening of any of the following events: the physical return of the Hire Goods by the Customer into the Provider’s possession; or the physical repossession or collection of Hire Goods by the Provider;
“Liability” means liability for any and all damages, claims, proceedings, actions, awards, expenses, costs and any other losses and/or liabilities;
“Products” means the products sold to the Customer by Skipandwaste.com; “Rental” means the Provider’s charging rate for the hire of the Hire Goods which is current from time to time during the Hire Period;
“Provider” means the appointed company arranged by Skipandwaste.com to fulfil the terms of the contract and will include its employees, servants, agents and/or duly authorised representatives;
“Services” means the services and/or work (if any) to be performed by Skipandwaste.com for the Customer in conjunction with the hire of Hire Goods including any delivery and/or collection service for the Hire Goods.

2 BASIS OF CONTRACT

2.1 Hire Goods are hired subject to them being available for hire to the Customer at the time required by the Customer. Skipandwaste.com will not be liable for any loss suffered by the Customer as a result of the Hire Goods being unavailable for hire where the Hire Goods are unavailable due to circumstances beyond Skipandwaste.com’s control.
2.2 Where hire of the Hire Goods is to a Customer who is an individual and the hire would be covered by the Consumer Credit Act 1974 the duration of the Hire Period shall not exceed 3 months, after which time the Contract shall be deemed to have automatically terminated.
2.3 Nothing in this Contract shall exclude or limit any statutory rights of the Customer which may not be excluded or limited due to the Customer acting as a consumer. For further information about your statutory rights contact your local authority Trading Standards Department or Citizen’s Advice Bureau.

3 PAYMENT

3.1 The amount of any Deposit, Rental and/or charges for any Services shall be as quoted to the Customer or otherwise as shown in Skipandwaste.com’s online quotation service. Where a Deposit is required for the Hire Goods it must be paid in advance of the Customer hiring the Hire Goods. Skipandwaste.com may also require an initial payment on account of the Rental in advance of the Customer hiring the Hire Goods.
3.2 The Customer shall pay the Rental, charges for any Services, monies for any Products and/or any other sums payable under the contract to Skipandwaste.com at the time and in the manner agreed. Skipandwaste.com’s prices are, unless otherwise stated, exclusive of any applicable VAT for which the Customer shall additionally be liable.
3.3 Payments by the Customer on time under the Contract are an essential condition of the Contract. Payment shall not be deemed to be made until Skipandwaste.com has received either cash or cleared funds in respect of the full amount outstanding.
3.4 Skipandwaste.com reserves the right to withhold payment for any requested hire item, until the appropriate certification and paperwork has been received by Skipandwaste.com. This is usually, but not limited to, Waste Transfer Note, Certification of Waste type and accurate weight thereof.

4 RISK AND TITLE OWNERSHIP AND INSURANCE

4.1 Risk in the Hire Goods and any Products will pass immediately to the Customer when they leave the physical possession or control of the Provider. Title will not transfer to the Customer in any case.
4.2 Risk in the Hire Goods will not pass back to the Provider from the Customer until the Hire Goods are back in the physical possession of the Provider. This shall apply even if the Provider has agreed to cease charging the Rental.
4.3 Ownership of the Hire Goods remains at all times with the Provider. The Customer has no right, title or interest in the Hire Goods except that they are hired to the Customer.
4.4 The Customer must not deal with the ownership or any interest in the Hire Goods. This includes but is not limited to selling, assigning, mortgaging, pledging, charging, securing, hiring, withholding, exerting any right to withhold, disposing of and/or lending.
4.5 The Provider may provide reasonably priced insurance in respect of the Hire Goods at additional cost to the Rental. Alternatively the Provider may require the Customer to insure the Hire Goods on such reasonable terms and for such reasonable risks as the Provider may specify. The proceeds of any such insurance shall be held by the Customer in trust for the Provider and be paid to the Provider on demand. The Customer must not compromise any claim in respect of the Hire Goods and/or any associated insurance without the Provider’s written consent.

5 DELIVERY, COLLECTION AND SERVICES

5.1 It is the responsibility of the Customer to collect the Hire Goods from the Provider and return them to the Provider at the end of the Hire Period. If the Provider agrees to deliver or collect the Hire Goods to and/or from the Customer it will do so at its standard delivery cost and such delivery and/or collection will form part of the Services.
5.2 Where the Provider provides Services the persons performing the Services are servants of the Customer and once the Customer instructs such person they are under the direction and control of the Customer. The Customer shall be solely responsible for any instruction, guidance and/or advice given by the Customer to any such person and for any damage which occurs as a result of such persons following the Customer’s instructions, guidance and/or advice except to the extent that the persons performing the Services are negligent.
5.3 The Customer will allow and/or procure sufficient access to and from the relevant site and procure sufficient unloading space, facilities, equipment and access to power supplies and utilities for the Provider’s employees, subcontractors and/or agents to allow them to carry out the Services. The Customer will ensure that the site where the Services are to be performed is, where necessary, cleared and prepared before the Services are due to commence.
5.4 If any Services are delayed, postponed and/or are cancelled due to the Customer failing to comply with its obligations the Customer will be liable to pay the Provider’s additional standard charges from time to time for such delay, postponement and/or cancellation except where the Customer is acting as a consumer and the delay is due to a Force Majeure event.

6 CARE OF HIRE GOODS

6.1 The Customer shall:-
6.1.1 not remove any labels from and/or interfere with the Hire Goods, their working mechanisms or any other parts of them and take reasonable care of the Hire Goods and only use them for their proper purpose in a safe and correct manner in accordance with any operating and/or safety instructions provided or supplied to the Customer;
6.1.2 Notify the Provider immediately after any breakdown, loss and/or damage to the Hire Goods;
6.1.3 Take adequate and proper measures to protect the Hire Goods from theft, damage and/or other risks;
6.1.4 Notify the Provider of any change of its address and upon the Provider’s request provide details of the location of the Hire Goods;
6.1.5 Permit the Provider at all reasonable times to inspect the Hire Goods including procuring access to any property where the Hire Goods are situated;
6.1.6 keep the Hire Goods at all times in its possession and control and not to remove the Hire Goods from the United Kingdom without the prior written consent of the Provider;
6.1.7 be responsible for the conduct and cost of any testing, examinations and/or checks in relation to the Hire Goods required by any legislation, best practice and/or operating instructions except to the extent that the Provider has agreed to provide them as part of any Services;
6.1.8 Not do, or omit to do, anything which will, or may be deemed to, invalidate any policy of insurance related to the Hire Goods, which is notified to the Customer;
6.1.9 not continue to use Hire Goods where they have been damaged and will notify Skipandwaste.com and the Provider immediately if the Hire Goods are involved in an accident resulting in damage to the Hire Goods, other property and/or injury to any person; and
6.1.10 where the Hire Goods require fuel, oil and/or electricity ensure that the proper type and/or voltage is used and that, where appropriate, the Hire Goods are properly installed by a qualified and competent person.
6.2 The Hire Goods must be returned by the Customer in good working order and condition (fair wear and tear excepted) and in a clean condition together with all insurance policies, licences, registration and other documents relating to the Hire Goods.

7 BREAKDOWN

7.1 The Provider will at its own cost carry out all routine maintenance and repairs to the Hire Goods during the Hire Period and all repairs which are required due to fair wear and tear and/or an inherent fault in the Hire Goods. The Customer will be responsible for the cost of all repairs necessary to Hire Goods during the Hire Period which arise otherwise than as a result of fair wear and tear, an inherent fault and/or the negligence of the Supplier while carrying out routine maintenance and/or repairs.
7.2 The Customer must not repair or attempt to repair the Hire Goods unless authorised to do so in writing by Skipandwaste.com or the Provider.

8 LOSS OR DAMAGE TO THE HIRE GOODS

8.1 If the Hire Goods are returned in damaged, unclean and/or defective state except where due to fair wear and tear and/or an inherent fault in the Hire Goods the Customer shall be liable to pay the Provider for the cost of any repair and/or cleaning required to return the Hire Goods to a condition fit for re-hire and to pay the Rental, in accordance with the provisions of clause 8.3, until such repairs and/or cleaning have been completed.
8.2 The Customer will pay to the Provider the replacement cost of any Hire Goods which are lost, stolen and/or damaged beyond economic repair during the Hire Period less the amount paid to the Provider under any policy of insurance taken out in accordance with these conditions.
8.3 The Customer shall pay the Rental for the Hire Goods up to and including the date it notifies Skipandwaste.com that the Hire Goods have been lost, stolen and/or damaged beyond economic repair. From that date until Skipandwaste.com has replaced such Hire Goods the Customer shall pay, as a genuine pre-estimate of lost rental profit, a sum as liquidated damages being equal to two thirds of the Rental that would have applied for such Hire Goods for that period. Skipandwaste.com shall use its reasonable commercial endeavours to purchase replacements for such Hire Goods as quickly as possible using the monies paid under clause 8.2 above.

9 TERMINATION BY NOTICE

9.1 If the Hire Period has a fixed duration, subject to the provisions of Section 10 neither the Customer nor Skipandwaste.com shall be entitled to terminate the Contract before the expiry of that fixed period unless agreed with the other party.
9.2 If the Hire Period does not have a fixed duration either of the Customer or Skipandwaste.com is entitled to terminate the Contract upon giving to the other party any agreed period of notice.
9.3 If no period of notice has been agreed or specified the Customer may terminate the Hire Period by the physical return of the Hire Goods to the Provider and Skipandwaste.com shall be entitled to terminate the hire of the Hire Goods by giving not less than 14 days’ notice to the Customer.

10 DEFAULT

10.1 If the Customer:-
10.1.1 Fails to make any payment to Skipandwaste.com when due without just cause;
10.1.2 breaches the terms of the Contract and, where the breach is capable of remedy, has not remedied the breach within 14 days of receiving notice requiring the breach to be remedied;
10.1.3 Persistently breaches the terms of the Contract;
10.1.4 provides incomplete, materially inaccurate or misleading facts and/or information in connection with the Contract;
10.1.5 pledges, charges or creates any form of security over any Hire Goods, or ceases or threatens to cease to carry on business, or proposes to compound with its creditors, applies for an interim moratorium in respect of claims and/or proceedings, any distress, execution or other legal process is levied on any property of the Customer, has a Bankruptcy Petition presented against it or the Customer takes or suffers any similar action in any jurisdiction;
10.1.6 being a company, enters into voluntary or compulsory liquidation, has a receiver, administrator or administrative receiver appointed over all or any of its assets, any attachment order is made against the Customer, any distress, execution or other legal process is levied on any property of the Customer or the Customer takes or suffers any similar action in any jurisdiction;
10.1.7 appears reasonably to Skipandwaste.com due to the Customer’s credit rating to be financially inadequate to meet its obligations under the Contract; and/or
10.1.8 appears reasonably to Skipandwaste.com to be about to suffer any of the above events; then Skipandwaste.com shall have the right, without prejudice to any other remedies, to exercise any or all of the rights set out in clause 10.2 below.

10.2 If any of the events set out in clause 10.1 above occurs in relation to the
Customer then:-
10.2.1 Except where the Customer is acting as a consumer, Skipandwaste.com may enter, without prior notice, any premises of the Customer (or premises of third parties with their consent) where Hire Goods owned by Skipandwaste.com may be and repossess any Hire Goods;
10.2.2 Skipandwaste.com may withhold the performance of any Services and cease any Services in progress under this and/or any other Contract with the Customer;
10.2.3 Skipandwaste.com may immediately cancel, terminate and/or suspend without Liability to the Customer the Contract and/or any other contract with the Customer; and/or
10.2.4 All monies owed by the Customer to Skipandwaste.com shall immediately become due and payable.

10.3 Any repossession of the Hire Goods shall not affect Skipandwaste.com’s right to recover from the Customer any monies due under the Contract and/or any damages in respect of any breach which occurred prior to repossession of the Hire Goods.

10.4 Upon termination of the Contract the Customer shall immediately:
10.4.1 return the Hire Goods to Skipandwaste.com and/or Skipandwaste.com’s nominated Provider; or make the Hire Goods available for collection by Skipandwaste.com’s nominated Provider as requested by the Provider; and
10.4.2 Pay to Skipandwaste.com all arrears for Rentals, Charges for any Services, monies for any Products and/or any other sums payable under the Contract.

11 LIMITATIONS OF LIABILITY

11.1 All warranties, representations, terms, conditions and duties implied by law relating to fitness, quality and/or adequacy are excluded to the fullest extent permitted by law.
11.2 If Skipandwaste.com is found to be liable in respect of any loss or damage to the Customer’s property the extent of Skipandwaste.com’s Liability will be limited to the retail cost of replacement of the damaged property.
11.3 Any defective Hire Goods must be returned to Skipandwaste.com’s nominated Provider for inspection if requested by Skipandwaste.com’s nominated Provider, before Skipandwaste.com’s nominated Provider will have any Liability for defective Hire Goods.
11.4 Skipandwaste.com shall have no Liability to the Customer if, without just cause, any monies due in respect of the Hire Goods and/or the Services has not been paid in full by the due date for payment.
11.5 Skipandwaste.com shall have no Liability for additional damage, loss, liability, claims, costs or expenses caused, or contributed to, by the Customer’s continued use of defective Hire Goods and/or Services after a defect has become apparent, or suspected, or should reasonably have become apparent to the Customer.
11.6 The Customer shall give Skipandwaste.com a reasonable opportunity to remedy any matter for which Skipandwaste.com is liable, before the Customer incurs any costs and/or expenses in remedying the matter itself. If the Customer does not do so Skipandwaste.com shall have no Liability to the Customer in this regard.
11.7 Skipandwaste.com shall have no Liability to the Customer to the extent that the Customer is covered by any policy of insurance arranged as a result of the Contract and the Customer shall ensure that the Customer’s insurers waive any and all rights of subrogation they may have against Skipandwaste.com.
11.8 Skipandwaste.com shall have no Liability to the Customer for any:-
11.8.1 Consequential losses (including loss of profits and/or damage to goodwill and/or reputation);
11.8.2 Economic and/or other similar losses;
11.8.3 Special damages and indirect losses; and/or
11.8.4 Business interruption, loss of business, contracts and/or opportunity.

11.9 Skipandwaste.com’s total Liability to the Customer under and/or arising in relation to any Contract shall not exceed 5 times the amount of the Rental and charges for Services (if any) under that Contract or the sum of £1,000 whichever is the higher. To the extent that any Liability of Skipandwaste.com to the Customer would be met by any insurance of Skipandwaste.com, then the Liability of Skipandwaste.com shall be extended to the extent that such Liability is met by such insurance.

11.10 Each of the limitations and/or exclusions in this Contract shall be deemed to be repeated and apply as a separate provision for each of:
11.10.1 Liability for breach of contract;
11.10.2 Liability in tort (including negligence); and
11.10.3 Liability for breach of statutory and/or common law duty; except clause 11.9 above, which shall apply once only in respect of all the said types of Liability.

11.11 Nothing in this Contract shall exclude or limit the Liability of Skipandwaste.com for death or personal injury due to Skipandwaste.com’s negligence, nor exclude or limit any other type of Liability which it is not permitted to exclude or limit as a matter of law.

12 GENERAL

12.1 Upon termination of the Contract the provisions of clauses 3.2, 3.4, 3.5, 8.1, 8.2, 8.3 and Section 6 shall continue in full force and effect.

12.2 Each hire of an item of Hire Goods shall form a distinct Contract which shall be separate to any other Contract relating to other Hire Goods.

12.3 The Customer shall be liable for the acts and/or omissions of its employees, agents, servants and/or subcontractors as though they were its own acts and/or omissions under this Contract.

12.4 The Customer agrees to indemnify and keep indemnified Skipandwaste.com against any and all losses, lost profits, damages, claims, costs (including legal costs on a full indemnity basis), actions and any other losses and/or liabilities suffered by the Supplier and arising from or due to any breach of contract, any tortuous act and/or omission and/or any breach of statutory duty by the Customer.

12.5 No waiver by Skipandwaste.com of any breach of this Contract shall be considered as a waiver of any subsequent breach of the same provision, or any other provision. If any provision is held by any relevant competent authority to be part of the validity of the other provisions of this Contract and the remainder of the affected provision shall be unaffected and shall remain in full force and effect.

12.6 Skipandwaste.com shall have no Liability to the Customer for any delay and/or non-performance of a Contract to the extent that such delay is due to any Force Majeure events. If Skipandwaste.com is affected by any such event then time for performance shall be extended for a period equal to the period that such event or events delayed such performance.

12.7 All third party rights are excluded and no third parties shall have any rights to enforce the Contract.

This shall not apply to any finance company with whom Skipandwaste.com has an outstanding finance agreement relating to the Hire Goods. Such finance company shall, subject to Skipandwaste.com’s consent, have the right to enforce this Contract as if they were the Supplier. This Contract is governed by and interpreted in accordance with English law and the parties agree to submit to the non-exclusive jurisdiction of the English courts.

13 ADDITIONAL CONDITIONS

13.1 Skipandwaste.com may insert and present for payment any balance due and unpaid where the Customer has signed a blank or nil value debit or credit card voucher. The Supplier may also process interim payments by credit or debit card at any stage of the Contract.