Moving Insurance
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Why you should be taking out Moving Insurance
Moving can be a chaotic and stressful time,there are many things to be considered. Whether or not to purchase moving insurance is one of them.
While professional removalists don’t set out to lose, damage or destroy your belongings, accidents happen, and you should be prepared with a moving insurance policy.
Moving insurance, like most other types of insurance, provides you with peace of mind and protection that your belongings are protected throughout the moving process. If damages should occur, you have financial protection with moving insurance.
Who Provides Moving Insurance?
It is a common misconception that damage done during a move will be covered by your own home and contents insurance,however, this is not always the case.
Every home and content insurance policy is different, therefore it is important that you understand your own policy’s coverage’s and exclusions.
Many home policies only offer moving coverage as an optional extra on your policy.
Some policies cover your possessions during transit, only if being transported by a professional mover. Additionally, other policies will not cover a move that you conduct yourself.
The three main providers of removals insurance are: traditional content insurers, removalists companies and specialized moving insurers. You can choose to carry moving protection from any of these three sources.
Why Moving Insurance is Important
When you hire a professional removalist to conduct your move, you are essentially putting all of your possessions in the hands of strangers, which can be a tad nerve inducing.
While you have likely done your research and hired a top notch removalist company with only the best intentions for safely moving and delivering your possessions, there is still a need to purchase moving insurance for the just in case scenarios.
All professional removalists should be insured, however, they may not be legally responsible for an accident with your goods during the move. This means that if a mishap does occur during your move, you may end up the loser.
Removalists are not responsible for accepting all cases of loss or damage incurred during your move. For this reason, purchasing a separate moving insurance policy is vital.
Removals Insurance policies are priced based on the valuation of the goods you are transporting. Most policies are relatively inexpensive when compared with the coverage and peace of mind they provide to you in the case of a loss.
Don’t get caught uninsured and paying for damages resulting from an accident during your move. Give yourself peace of mind that your belongings are protected by purchasing a moving policy for your next move.