Skip to main content
 

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...

 
 
 
 

You do the maths !

i) On a move within the UK with a declared replacement value of £20,000 we will charge you a premium of £ 125.00.

ii) On an overseas move with a declared value of £20,000 we will charge you a premium of £ 200.00.

.....and you will have peace of mind you are fully protected against all the major perils such as loss or damage arising from fire, flood, theft of the entire consignment, vessel sinking, washing overboard of the container, strikes, riots, civil commotions

 
 
 

What don't we cover?

We do not cover you against 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 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.

 
 
 

How are you able to provide such competitive quotes?

We are only providing cover on a 'total loss' basis only such as losses arising from major perils. Loss or damage arising from fire, flood, theft of entire consignment/shipment, container being washed overboard, explosion lightening, water damage and civil commotion would be included. 

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

 
 
 

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

Insurers can only accept liability for total or partial losses arising from flood, fire, theft of entire consignment/shipment, container being washed overboard, explosion. lightening water damage and civil commotion up to the declared sum insured.

 
 
 

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 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'.

 
 
 

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 of entire consignment/shipment, container being washed overboard, explosion, lightening, water damage and civil commotion.

We do not include loss or damage arising from breakage, scratching denting and the like. We also do not include missing items or shortage from within the shipment.

 
 
 

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'.