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Frequently Asked Questions

 

Our moving insurance gives you excellent cover against all the major perils which could occur in a domestic or international removal. Read through our frequently asked questions for answers to the common questions we get asked...

 
 
 
 

Why would you ever insure your goods with a removal company ?

Removal companies are good at packing and shipping goods but why would you elect to insure your goods with them...?  They are good at moving but have little or no understanding about the insurance so much so they are not even regulated by the FCA.

 
 
 

What is 'Named Perils Only' cover?

Your remover will take great care in packing and shipping your goods and nearly all shipments arrive without any mishap. In fact, the remover will pitch their sale on how good their packing crews are, how few claims they have and then try and sell you a very expensive insurance product.

We cover those risks which are outside the control of the remover such as flood or fire or the container being washed overboard, therefore giving you peace of mind that in the event of a major catastrophe or a total loss your goods are covered.

 
 
 

Can you insure Owner Packed Goods?

Yes , on the same basis as for professionally packed goods. Cover is for loss or damage arising from flood, fire, theft or non-delivery of entire consignment/shipment, explosion, lightning, general average sacrifice, jettison, washing overboard of the container or the ocean-going vessel sinking and or the ingress of sea or rain water.

We do not include loss or accidental damage arising from breakage, scratching, denting, marring, electrical or mechanical derangement, mould and mildew, missing items or shortage from within the shipment.

 
 
 

Do I have to use a Removal Company?

Yes, Insurers have based their rates on the fact your goods are being transported by a competent removal company  who usually belong to one of the recognised removal associations. These being BAR, OMNI, FIDI or IAM.

We do not cover self-moves or moves by a 'man and a van'.

 
 
 

How are you able to provide such competitive quotes?

We are only providing cover on a 'total loss' basis such as losses or damage arising from fire, flood, theft or non-delivery of entire consignment/shipment, explosion, lightning, general average sacrifice, jettison, washing overboard of the container sinking or collision of the ocean-going vessel and ingress of sea or rain water. 

Your remover will detail how professional they are and how good their packing is, so we do not include loss or accidental damage arising from breakage, scratching denting, marring, staining, tearing and the like. We also do not cover missing items or shortage from within the consignment.

 
 
 

How come I only need to declare an overall lump sum value?

Insurers can only accept liability for loss or damage arising from fire, flood, theft or non-delivery of your entire consignment/shipment, explosion, lightning, civil commotion, strikes, riots, washing overboard of the container or the ocean-going vessel sinking and or the ingress of sea or rain water.

 
 
 

What don't we cover?

We do not cover you against accidental damage arising from breakage, scratching, denting, marring, electrical or mechanical derangement, mould or mildew unless as result of a flood.

As your remover should pack your goods to such a high standard, we will cover you against all the major perils which are outside their control control.

 
 
 

My removal company tell me they only employ the best packers and have very few claims but are offering me an insurance rate of 3.00%, how come?

The removal company use the insurance as a revenue stream so will 'beef up' their sales talk as to what could go wrong in a move. This is where we step in and provide you with an insurance policy for those perils  outside their control, such as the container being washed overboard in a storm or the vessel sinking or the vehicle carrying your goods being stolen, as we are only covering major peril losses.

 
 
 

Declaring the Correct Sum Insured

Please, please, please insure all your goods for their replacement value at destination. We had a customer whose container (on a shipment to Australia) was lost and they claimed for close to £ 30,000 but they only declared and paid premium on a sum insured of £ 10,000. Not a great start to their new life 'Down Under'.

 
 
 

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.

 
 
 

What happens if I cancel my insurance prior to the move?

We will rebate the full insurance premium excluding the administrative fee.

 
 
 

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'.