Tel : 0800 622 6320
Frequently Asked Questions
Our home moving insurance gives you excellent cover that can often exceed the cover provided by your home contents insurance or the insurance provided by the removal company. Read through our frequently asked questions for answers to the common questions we get asked...
- What is 'Average' or 'Under-Insurance' ?
- How are you able to provide such competitive quotes?
- What happens if I cancel my insurance prior to the move?
- What happens if I want to change the value of the sum insured?
- In the event of a claim what happens?
- Do I have to use a Removal Company?
- What happens if I don't declare an item or collection of items which are individually or collectively valued in excess of GBP 750.00 on the proposal form ?
- Are there other websites where this cover can be purchased?
- Does cover include Electrical and Mechanical Derangement?
- Does cover include losses arising from Mould and Mildew?
What is 'Average' or 'Under-Insurance' ?
It is a condition of the Policy that you insure all your goods being shipped for their true replacement value as under-insurance could affect the amount of money you receive in the event of a claim. Whilst you may save money in reduced premiums if you do not declare the full replacement value but it is a false economy. For instance, your goods are actually worth £ 20,000 but you only insure for £ 15,000. You then make a claim for £ 5,000 but as you were only insured for 75% of the true value of all your goods then insurers can only pay you 75% of the amount being claimed.
This is called 'average' or 'under-insurance'.
How are you able to provide such competitive quotes?
We are totally transparent and the rates are those set by Insurers. These are not artificially up-lifted. We simply add an adminstrative fee of GBP 50.00 which assists in covering our service costs. This is clearly shown in our Statement of Price.
What happens if I cancel my insurance prior to the move?
We will rebate the full insurance premium excluding the administrative fee.
What happens if I want to change the value of the sum insured?
You will simply pay the additional premium due or, if the sum insured is reduced, you will receive a premium rebate.
In the event of a claim what happens?
Do I have to use a Removal Company?
Yes, Insurers have based their rates on the fact your goods are being professionally packed and transported by a competent removal company who belong to either the British Association of Removers of the National Guild of Removers.
What happens if I don't declare an item or collection of items which are individually or collectively valued in excess of GBP 750.00 on the proposal form ?
Insurers can only accept liability up to a maximum of £ 750 in accordance with the Policy conditions.
When declaring an individual item or collection of items where the combined value is in excess of GBP 750, Insurers only require a generic heading of the item or items, ie. 2 x flat screen TV's, DVD's/CD's, 4 x beds, clothing & linem, cutlery & crockery, pictures, carpets, tools etc etc.
Are there other websites where this cover can be purchased?
To our knowledge, this is the only site where cover can be bought directly on-line.
