Removal Insurance Explained
Moving house is a big day, and it's completely understandable to want reassurance that your belongings are protected.
One of the most common questions people ask is:
"Is everything insured during my move?"
The answer depends on the removal company and the type of insurance they carry.
Understanding the different types of cover will help you compare companies properly and avoid any surprises.
Goods in Transit Insurance
Most professional removal companies carry Goods in Transit (GIT) Insurance.
This is designed to protect customers' belongings while they are being transported in the removal vehicle.
However, every policy is different.
Some policies have limits on individual items, while others exclude certain belongings altogether.
Always ask your removal company what their Goods in Transit policy covers before booking.
Public Liability Insurance
Public Liability Insurance is different.
Rather than covering your belongings, it helps protect against accidental damage to third-party property or injury while the removal is taking place.
For example, if a removal team accidentally damages part of a property during the move, Public Liability Insurance may apply depending on the circumstances and policy.
Are All Items Automatically Covered?
Not always.
Certain items may require special arrangements or may have restrictions.
Examples can include:
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Jewellery
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Cash
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Important documents
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Antiques
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Fine art
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Extremely high-value items
If you own anything particularly valuable, it's always best to discuss it with your removal company before moving day.
Furniture Protection
Insurance is important, but preventing damage in the first place is even better.
Professional removal companies should take steps to protect furniture before it is moved.
This may include:
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Sofa covers
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Mattress covers
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Furniture blankets
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Protective wrapping
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Floor protection
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Careful loading techniques
Good preparation significantly reduces the likelihood of accidental damage.
What Happens if Something is Damaged?
Although damage during a professional move is uncommon, accidents can occasionally happen.
If they do:
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Report the issue as soon as possible.
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Take photographs if appropriate.
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Keep any damaged items.
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Contact your removal company and follow their claims process.
A reputable company will explain the next steps clearly and work with you to resolve the situation.
Questions to Ask Before Booking
Before choosing a removal company, consider asking:
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Do you have Goods in Transit Insurance?
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Do you have Public Liability Insurance?
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Are there limits on individual items?
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Are there any exclusions?
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What is your claims process?
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How do you protect furniture during the move?
These simple questions can give you confidence that you're choosing a professional company.
Choosing a Professional Removal Company
Insurance is just one part of choosing the right removal company.
Experience, careful handling, good communication and proper furniture protection all play an important role in ensuring your move goes smoothly.
The cheapest quote isn't always the best value if it comes with lower levels of protection or unclear terms.
How The Removal Kings Protect Your Move
At The Removal Kings®, protecting your belongings starts long before they're loaded onto the van.
Our team uses professional moving equipment and protective materials, including sofa covers, mattress covers, furniture blankets, shrink wrap and floor protection where required.
We also carry appropriate removal insurance and are always happy to explain our cover and answer any questions before your moving day, so you know exactly where you stand.
Need More Advice?
If you have any questions about removal insurance, furniture protection or your upcoming move, we're always happy to help.
Whether you're moving from a one-bedroom flat or a large family home, our experienced team is here to make your move as smooth and stress-free as possible.