Are you planning a move? If so, then you’re probably familiar with the costs associated with moving.

Moving can get expensive fast, from hiring a professional mover to renting packing materials. But there’s one more cost that is often overlooked:

Removals insurance – What is removals insurance, and why do you need it?

In this blog post, we’ll discuss what it is, the types of coverage available, and whether or not it’s worth it for your situation.

What Kind of Protection Does Removals Insurance Provide?

It is designed to provide coverage for the items a person or family has during the move. This type of insurance generally covers loss and damage due to collision, theft, fire, flooding and other external forces.

Usually, it covers the contents of a single truckload or multiple moves over time. It usually covers all property being moved and may also include liability protection for any injury during the moving process. In addition to these standard types of coverage, some policies offer additional features such as packing coverage and storage insurance.

Packing coverage typically pays for any losses from items being incorrectly packed, and storage coverage helps reimburse any costs associated with storing property while it is being moved.

What is the Cost of Removals Insurance?

When taking up removal insurance, the average cost is 10% of the total price of your move. So if your removal expenses add up to £2,000, you would have to pay an additional £200 for insurance coverage.

However, this percentage varies depending on the value of your possessions. For instance, if the total cost of items covered by your insurance policy is £50,000, you could claim up to £5,000 in case something unfortunate happens during transit.

Nonetheless, it’s always a good idea to avail yourself of removals insurance and save any worrying over potential damage.

What is Storage Insurance?

Storage insurance is essential to a removals plan, as it provides coverage if items are damaged or lost in transit. This type of Insurance can cover any property being moved from one location to another, including furniture, appliances, art, and personal items.

Storage insurance typically covers damage caused by natural events like storms, floods, fires, or vehicle accidents during transportation. It may also cover theft or losses due to negligent behaviour on the part of the removal company. Depending on the policy purchased, storage insurance can also provide coverage for packing materials and labour costs associated with setting up at a new location.

It’s important to note that this type of Insurance does not typically provide coverage for any items taken out of your home. In contrast, this protection in transit must be sought through other means, such as home contents insurance.

Knowing what is covered by your policy is essential, so it’s best to read all the fine print carefully before signing any documents or paying for services.

Is Home Insurance Covering Moving Costs?

When it comes to removals, most homeowners assume that their standard home insurance policy covers them for any damage incurred during the process.

However, this is often not the case. Home insurance policies generally cover against fire, theft or weather-related damages to possessions within the home. Still, they do not typically provide coverage for anything that occurs while items are being moved elsewhere.

If there is an accident while your possessions are being transported, you may not be covered and could end up paying out of pocket for any losses or damages. It’s essential to check with your insurer before arranging a move to ensure you understand what is and isn’t covered by your policy.

Furthermore, some insurers may require additional coverage for items, such as electronics or valuable artworks, that must be purchased separately.

Lastly, even if you have adequate home insurance in place, it’s still worth considering taking out specialist removals Insurance to protect your belongings from any accidents that could occur on the day of the move.

By doing so, you can rest assured that no matter what happens during your relocation journey, you’re protected from unexpected costs and can enjoy a stress-free move.

What Types of Losses Does Removals Insurance Protect You From?

It typically covers a variety of damages that may occur during the removal process. Commonly covered damages include:

  • Accidental breakage or damage to furniture, belongings, and walls.
  • Water damage from plumbing leaks or burst pipes.
  • Fire damage.

Most policies cover up to a specified amount for each type of damage. Still, some may offer additional coverage for higher-value items, such as antiques, electronics, or artwork. Depending on the type of policy you purchase, it may also cover costs incurred from replacing lost items or any extended accommodation fees associated with an emergency.

Be sure to ask your removal company about the details and specifics of their insurance coverage when booking your move.

What are the Benefits of Limited Liability?

Removals Insurance can be a topic that could be clearer, particularly when understanding the concept of limited liability. Limited liability is an insurance policy for a removals service that caps the amount one party is liable for if something goes wrong during a move. This form of Insurance assures both the customer and the removal company, protecting both from potential loss or damage.

It is essential to understand that while limited liability may provide peace of mind, it does not replace a comprehensive insurance policy. A complete removal insurance policy will offer more coverage than a limited liability, including any items lost or damaged during transit and other unexpected costs associated with moving house.

In addition to this, it pays to check the terms and conditions of a removal company before committing to using them – some companies may have different levels of responsibility depending on their policies.

By understanding all these elements and researching your options thoroughly before settling on an insurer, you can ensure that your move is adequately covered so that you are entirely protected whatever happens.

Can You Rely on a Professional Removal Company’s Insurance Policy to Secure Your Valuables?

The answer can sometimes be complicated. It’s essential to take the time to understand your removal company’s policy and what it covers. Generally speaking, most policies will cover a certain amount of compensation in case of accidental damages or loss caused by the removal company during their services.

However, this is typically limited in scope and may only cover some of what you own. This is where “Goods in Transit Insurance for Removals” can come in handy as an extra measure of security when moving items from one location to another.

“Goods in Transit Insurance for Removals” offers protection against losses out of the removal company’s control, such as theft, fire, and acts of nature. This coverage usually goes beyond physical damage and accounts for financial loss due to delays or damages incurred during transit.

In addition, some providers may also provide additional clauses, such as coverage for missing items or expired foodstuffs due to spoilage, depending on the type of insurance policy you choose.

Taking out a “Goods in Transit Insurance for Removals” policy can help alleviate some of your worries about protecting your valuable possessions while travelling with a removal company.

How Much Time Do You Have to File a Claim?

The time frame will depend on your policy and the provider you are working with.

As a general rule, claims must be filed within 90 days of the incident. In some cases, this period may vary depending on the insurance company and the specific circumstances involved. While this is standard for most policies, there may be exceptions depending on specific special clauses or features in your agreement. It’s important to review all documents closely so that you understand precisely when to make a claim for it to be valid.

Additionally, timing can be critical if extenuating circumstances affect your ability to file a claim or receive compensation. If you have questions about your policy’s timeline for making claims, you must contact your insurance company directly so they can provide more detailed information regarding any specific requirements or time frames associated with filing a claim.

Uncovering the Optimal Removal Company

Finding the right removal company is critical to ensuring your possessions are properly and safely moved from one location to another. There are several factors to consider when selecting a removal company, including their level of experience in the industry, their customer service record, their insurance coverage and the cost of their services.

It’s important to research a few different companies and compare them to determine which one is the best fit for your needs.

Researching online reviews can help you decide which companies have the most satisfied customers and provide reliable services at affordable rates. Another good way to learn more about a company’s services and customer satisfaction is to speak directly with current or past customers.

Additionally, consider asking potential removal companies if they offer packing services or discounts for more significant moves, as this can help reduce costs even further. When selecting a removal company for your move, be sure to ask about their insurance options so you can rest assured, knowing your possessions will be covered should any damages occur during transit.


When moving your valuable possessions, you want to ensure they are safe.

Taking out “Goods in Transit Insurance for Removals” is essential to ensure your items remain secure during the move and can help cover any unexpected losses should something go wrong. You must select a removal company with experience and a customer service record and one that offers competitive rates and insurance coverage.

If you need assistance selecting the right removals company or have questions about Goods in Transit Insurance for Removals policies, don’t hesitate to contact us! Our team of experts will be happy to assist with all aspects of your relocation so that everything goes smoothly from start to finish.