Do I need removals insurance when I move home?
Yes, you need moving insurance because you are entrusting your all worldly goods into a large box on wheels.
However, first check your existing home insurance policy. Many contents insurance policies will cover your possessions in transit, but you must check that this is the case for you. Check your policy documents or call your insurance firm to ensure your belongings, including your valuables, are covered whilst being transported.
In addition to this, you can also ask your removal company about what their moving insurance policies cover and whether this can be increased.
Ask your removal company about their insurance policies
Check that they are fully insured - they should happily show you copies of their policy details. All of the removal companies registered with reallymoving have the relevant removals insurance, so when you get your quotes for removals you can have the peace of mind that your belongings will be covered during transit.
Many home insurance policies will cover accidental damage or loss if you are using a professional removals company. There is often a time limit applied to your claim, so again, read the small print so that you can make any necessary claims without being penalised. Remember to ask what the excess on the policy is. This usually starts around £50.
Many removal companies have insurance cover as part of their contract with you
If this is the case, have a look at the limit on claims as this can be surprisingly low. Your removals company should have goods in transit insurance, which covers your items whilst they are being moved, however, this is usually only covered for around £40-£50.
It is a good idea to get your goods valued, particularly precious or valuable items, to discover whether you need to take out any additional moving insurance cover.
Discuss the insurance options available with your removal company as they may be able to increase the amount of cover if necessary. Again, check exactly what is covered including:
Scuffs, scrapes or dents
Financial documents such as deeds, stamps, bonds
Whether your move is covered should weather conditions deteriorate or cause long delays
You should also make sure you know whether your insurance policy requires you to complete an inventory of the items to be moved, including their values.
It is important to get the details of the insurance coverage your removal company offers in writing. Find out what the moving insurance entitles you to should you need to make a claim - is it a replacement, repair or financial compensation?
If you have packed yourself...
Finally, but important to remember, a lot of insurance companies will not cover you for loss or damage if you packed the boxes yourself. Your boxes need to be professionally packed otherwise damage to your goods cannot be validated and your claim is at risk of being refused. Many removal companies offer a packing service, so be sure to mention that this is something you require to your removals company during your early discussions.
Before your move, check with your removal firm on all of these points to ensure that you have the sufficient removals insurance.
For a professional removal company with the appropriate removals insurance and the expert skill to pack your belongings safely and securely, you can get quotes for removals here at reallymoving.
Note: regarding moves during the Coronavirus pandemic, advice is to limit removals team exposure by packing your own items where possible. Be aware that in many cases this would mean those items were not covered by insurance. It's best to talk to your removals company directly about what damage would be covered.