Goods in transit insurance is the single most important protection for your belongings during a house move. Without it, items damaged or lost during transit may not be covered - leaving you facing replacement costs with no recourse against the removal company.
What is goods in transit insurance?
A specialist insurance that covers your household goods from the moment loading begins at your property until the last item is placed in your new home. A standard policy covers accidental damage, loss and theft during loading, transit and unloading - and should cover the full replacement value of your belongings, not a depreciated value.
What it does NOT cover
- Items packed by the owner where packing is deemed inadequate
- Inherently fragile items not specifically agreed with the removal company before the move
- Jewellery, cash and documents - these require separate specialist cover
- Mechanical or electrical failure of appliances - physical damage in transit only
- Items left unattended in a property during the move
How much cover should a removal company carry?
Coverage must be sufficient to replace the total value of goods being moved. For a typical three or four-bedroom family home this might be £30,000 to £80,000 or more. Always ask for the maximum coverage level and confirm it is sufficient for your move before booking.
Does my contents insurance cover a house move?
Some home contents policies provide limited cover during a move - but this is rarely comprehensive. Many exclude damage during transit or limit cover to a small percentage of the total policy value. Read the terms carefully before assuming your contents insurance provides adequate moving protection.
How to verify a removal company's insurance
Ask for a copy of the current insurance certificate before booking. A professional company provides this without hesitation. Check that the policy is current, the coverage level is sufficient and the company name on the certificate matches the company you are booking with.
Every Relokates removal is covered by goods-in-transit insurance covering full replacement value plus public liability insurance. Proof of insurance is available on request before any booking.
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