Moving to a new home can be exciting, but it can also be stressful, especially if you have to worry about the safety of your belongings during the move. Unfortunately, even with the most careful planning, there is always a chance that something could go wrong during a move. That's why many people choose to take out moving insurance. In this article, we will explore what moving insurance is, how it works and why it can be a good investment to protect your belongings in the moving process.
As we have previously discussed in Gil Staufferthe offer of different insurance policies is one of the aspects that makes the difference between a professional removal company and a pirate company. The former will always have compulsory liability insurance and transport insurance, but these have their limitations and it is best to take out specific insurance to cover the real market value of your goods. You should consider, for example, that in case you choose to make moving without additional insuranceeven if the undertaking acknowledges its liability, the compensation subject to the transport insurance and the liability insurance is measured per kg and will not cover the actual value of your belongings.
What are the measures to ensure the safety of our objects during a move?
The safety of items during a move is a common concern for movers. Here are some steps you can take to ensure the safety of your items during a move:
- Pack properly: Make sure you pack your belongings properly to avoid damage during transport. Use sturdy boxes and be sure to protect fragile items with appropriate packing materials.
- Hire professionals: If possible, consider hiring a professional and reliable moving company. These professionals are experienced in protecting and transporting belongings and can ensure the safety of your items.
- Make sure the moving truck is safe: Before hiring a moving company, make sure their trucks are in good condition and have adequate safety systems.
- Label your boxes: Label each box with its contents and an indication of whether it is fragile or heavy. This will help the movers to handle your boxes with care.
- Make an inventory: Create a detailed list of all your items and mark boxes containing valuable or fragile items. This will allow you to keep track of your belongings and check if anything has been lost or damaged during the move.
- Disconnect and prepare your appliances: Before the move, disconnect all your appliances and prepare the units for transport. This includes draining the water from the washing machine and defrosting the freezer.
- Take photographs of valuables: If you have valuables or collectibles, take photographs of them before the move. This will allow you to document their condition before the move and prove their value in case they are damaged.
Make a photographic inventory of your move to avoid insurance problems.
Making a photographic inventory of your belongings can be a great way to avoid insurance problems during a move. Here's how to do it:
- Create a detailed list of your belongings: Before packing, make a list of all your items and label each box with its contents. This list will allow you to keep track of your belongings and check if anything has been lost or damaged during the move.
- Take photographs: Take photographs of your belongings before packing them. This includes large and small items, furniture, electronics, artwork, jewellery and any other valuables.
- Use a high-resolution camera: Use a high-resolution camera to take pictures. This way, you will be able to capture all the important details and have clear visual proof of the condition of your belongings before the move.
- Label the photographs: Label each photograph with the description of the object and its corresponding number in the inventory list. This will allow you to identify each object quickly and easily.
- Store inventory and photos in a safe place: Store the inventory list and photos in a safe and accessible place. You can store them in a physical folder or in a digital folder on your computer or in the cloud.
- Collect all kinds of invoices for the items you have, in order to prove their value at a later date.
- Tax items as much as possible
Making a photographic inventory of your belongings can help you prove the condition of your items before the move and avoid insurance problems in case of damage or loss during transport.
Types of insurance policies
Civil Liability Insurance
The law obliges the removal companies You should take out this insurance, so make sure that the company you hire has it. This insurance covers the damages that may be caused to the immovable property (scratches on the wall, damage to the lift, damage to the floor, the doorway, etc.) and usually covers up to €400,000. It should be noted that this insurance does not cover any of your personal belongings and that, in the event of any unforeseen event occurring in the property, the customer will assume the initial amount of €300.
For damage that may be caused to your goods during the transport of your goods. transport from one dwelling to another. It usually covers up to €40,000 and no extra costs are charged to the client. In the event that you have to be compensated, you will pay the first €90 and the rest will be borne by the removal company.
But the most important detail that you should know is that, in this mode, the insurance companies rate by weight. The usual price is usually around €4.5 per kg, which in most cases is insufficient and often leads to surprise and anger on the part of the insured. For example: If your computer, valued at €2,000, suffers damage, the insurance company will offer you between €4.5 and €9, depending on the weight, as it will hardly exceed 1.5 kg. That is why we recommend the specific insurance.
Specific insurance for removals
Allows you to secure your belongings on the basis of their current market valueThe mover must provide the mover with an estimate of the weight of the shipment, rather than the weight of the shipment. You will need to provide your mover with a relationship with value The current value of each part or, alternatively, the purchase value and the year of acquisition. Especially with regard to technology, this value decreases in short periods of time.
In addition, they can offer you a variety of premiums for your move, so it is advisable to find out exactly what cover you are taking out. An example might be this: Of the total value of your goods, the customer will pay 1% for the insurance contract. That is, if you have valued your goods at €9,000, you will pay €90 for insurance when you contract your move; but in case something happens, your belongings will be covered for their real value.
In any case, it is important to be well-informed on the conditions and it is essential to fill in and sign the document. valued relationship The insurance company should be able to provide you with the cover that is consistent with the premium you have paid. For example, if the owner of a compulsorily insured car has a collision, he cannot expect the insurance company to cover him as if his car were fully insured. Well, the same applies to removals: If you do not take out specific cover based on the declared value, you cannot claim to be covered at a higher level than the contracted risk. This means that it is very important to reflect a real valuation so as not to fall into the possibility of underinsuranceThere are cases in which, in an attempt to save money at the time of the move, lower values are declared for household goods, but insurance companies only indemnify on the basis of the value of the goods. contracted premium and the declared value in each specific policy.
It should also be borne in mind that if, once the move has been carried out, you detect any incident, you will have to follow the premises that mark the insurers and that there will be deadlines for receipt of documents, study of the details, occasional expert opinions, possible franchises and/or certain specific procedures and steps to be implemented to solve the case.
Another aspect to highlight is the insurance of vehicles travelling with the moveThe insurance of our car does not normally cover the transport in removals. In this regard, it appears that no removal company has insurance cover for the transport of its clients' vehicles, except for Gil Stauffer, which offers this added value.
In any case, the most important thing is to always resort to professional companies that offer you security and a background of solvent experience to be able to provide you with the right information and the coverage that best suits your needs.
Household insurance can cover a move, depending on the policy taken out and the specific conditions of each case. Below, we explain how it works:
- Check coverage: The first thing to do is to check your home insurance policy to determine if it includes coverage for moving. If you are unsure, contact your insurance company for more information.
- Relocation cover: If your home insurance policy includes relocation cover, this means that your belongings are covered during transportation from your old home to your new one. Coverage can include damage from transport accidents, theft and other unforeseen events.
- Storage coverage: If your belongings must be temporarily stored during the move, your homeowner's insurance may cover storage in a safe and secure place. Again, you should check the terms and conditions of your policy to determine if this coverage is included.
- Limits of coverage: It is important to note that the moving coverage in your household insurance policy may be limited in terms of the amount of compensation. Therefore, you may want to consider taking out additional moving insurance to ensure full protection of your belongings.
In short, household insurance may cover a move, but you should carefully check your policy and its specific terms and conditions. If you need additional coverage to ensure your belongings are fully protected, you may want to consider taking out additional moving insurance.
What does the insurance cover in removals? Only what is declared prior to the move
Nowadays, insurance companies observe a very meticulous policy with regard to the management of their indemnities in order to avoid fraudulent behaviour. The removals sector does not escape this generality and insurers cover their backs to avoid unnecessary controversy.
One piece of advice is that before take out insurance and proceed with the move, you carry out a inventory. It is very practical for all purposes to have a list reflecting the goods to be moved in your move. This way, as well as keeping order when it comes time to relocate your things in your new home, you will have a basis for more easily calculating the approximate value of your possessions and choosing the right insurance. a priori The most convenient, as not all policies offer the same coverage.
Normally the removal company will have contracts with insurers and they will present you with a competitive offer suitable to your needs, but it is not out of place for you to contact your usual insurer to explore other possibilities. Regardless of which route you choose, it is very important that you find out about the terms of the contract, as this will determine, if necessary, whether you will be able to obtain a contract. value of possible compensation:
Therefore, please note that:
- It is necessary to take out specific cover so that the policy covers the market value of your belongings.
- The value of your objects is not measured by the initial purchase price, but is insured on the basis of the current market value.
- It is your responsibility to ensure that you provide the company that will be running your removal a relation to the current value of each object and the year of acquisition. This would be the basis document for possible compensation. It would normally apply only to valued goods. in the Valued Relationship.
- This insurance does not cover, under any circumstances, damages that have occurred prior to the move.
- Insurers scrutinise each and every incident report they receive and request all the necessary information. legal justifications appropriate.
Gil Stauffer has been moving lives from continent to continent for more than 115 years. If you are going to take the final step, Request a free quote for your removals with the best professionals!