The Lowdown On Removal Company Insurance
When you move, you are packing up all your belongings – including the more fragile and expensive ones – and taking them on a journey in a large box on wheels where anything could happen. Don’t let the time in transit mean the loss of your belongings!
Although some home insurance policies do cover your items while being transported, this isn’t always the case and it is important to check. Many home insurance policies cover accidental damage or loss if you are using a professional removals company. It is important to check the time limit and excess on this so you are prepared.
If your home policy does not offer the right coverage, some insurance companies will offer an extra premium to cover the move. This could be an affordable option. If they do not, the next step is to ask your removal company about their insurance policies and if this will cover you. Check they are fully insured and see copies of policy details to review.
The next step is to check the fine print and ensure it covers you sufficiently. Some limits are surprisingly low so it is crucial to check you are covered for things like:
- Scuffs, scrapes and dents
- Financial documents like deeds and bonds
- Wild weather conditions that could damage items or delay the move
If necessary, ask about increasing the amount of cover and how much this will cost. Also ask if there is anything that will void the insurance. For example, packing the boxes yourself can sometimes mean you are not covered.
Moving house can be stressful, but if you plan ahead, it can be a lot of fun! Don’t forget to consider whether your belongings are covered for damage before the big day.
For a professional removal company with the appropriate removals insurance and the expert skill to pack your belongings safely and securely, talk to W.H. Cox Removals today.