What Insurance Do I Need When Moving House?

When moving house, you may need movers insurance (also known as removals insurance) to protect your furniture and other items from losses or damages during the move. You can purchase specific removals insurance policies or use a removal company, like The Box Co. with insurance already included. 

If you’re moving house, there are lots of things to take into account - from ensuring that your items arrive safely from A to B to making sure that items are unpacked safely in the new home. 

At The Box Co., we make it as easy and affordable as possible. With comprehensive moves from just £199, with insurance included already, our professional movers will get your items wherever you need - safely and affordably. Contact us today to discuss your moving needs!

What Is Movers Insurance?

Movers insurance, or removals insurance, can guarantee total peace of mind when moving house as it protects your items during the packing, transporting, delivery and unpacking of your items. 

Before moving house, you should be aware of the cost of moving house and the different expenses you’ll need to budget for.

Having insurance in place when moving is important for protecting your possessions but there may be more cost-effective ways of doing it, like choosing a removal company with insurance included rather than taking out an additional policy.

What Does Removals Insurance Cover?

Removals insurance will protect your furniture, home items and valuables from any losses or damage during the moving process. It covers all stages - from packing and transportation to unloading, unpacking and assembly of items at the final location.

Policies vary between companies, but usually cover:

Vandalism of your items.

Malicious acts towards your items.

Theft.

Attempted theft.

Storms or flooding.

An accident with another vehicle.

As with any insurance, it’s important to know before moving what exactly your policy covers. For example, there may be certain valuable items that are not covered - it’s worth knowing this up front, as you could travel with these items yourself rather than put them in the removal van.

Other insurance policies may state that all items must be professionally packed. Opting for a removal company that has professional packing services available can help you stay protected.

Do I Need Insurance When Moving If I Have Contents Insurance? 

This depends on the company. You may need movers' insurance if your existing contents insurance doesn’t cover your possessions while in transit. It’s always worth checking the inclusions and limitations of any existing insurance policies in case your items are covered during moving. 

If you have existing insurance in place that does not cover items out of the house or in transit, you will probably need to contract a specific insurance when moving.

Or, even easier, you can choose a removal company which has insurance included in the price of the move. Companies like The Box Co., already include insurance coverage for your items during the moving process so that you can rest easy knowing your items are covered.

What Types Of Insurance Are Needed When Moving House?

There are many different insurance types that might be needed when moving house.

Insurance To Protect Your Belongings During The Move

Your items will need to travel from one location to another including being loaded into a van, travelling at high speed and being unloaded at the other end. Whether you’re hiring a man with a van or opting for full packing services, it incurs the risk of damage or loss so you’ll want to make sure some coverage is in place to protect your goods while in transit. 

Your contents insurance may already cover “goods in transit” for peace of mind during the move or you might have to seek a specific removals insurance policy. For maximum convenience, choose a removal company that already has insurance included so that you don’t have to go to the hassle of taking out a new policy.

Insurance For Your New Property

When moving to a new home, you’ll also need insurance for your new property. As soon as the contracts are exchanged, you are responsible for the property that you’re buying. To stay protected, you’ll need to have buildings insurance in place - even before you enter the new property.

You will likely also need contents insurance to insure the value of the contents inside your home.

Is Specific Movers Insurance Worth It?

Specific movers insurance might be worth it if your existing insurance doesn’t cover moves or if you choose a removal company that doesn’t have insurance included. 

Having insurance in place when moving is advisable to protect yourself in the event of any loss or damage but contracting a new policy can be expensive and time-consuming.

However, the easiest and most convenient option is to choose a removal company with built-in insurance so that you don’t have to go to the hassle of researching different policies.

All Inclusive Moves With The Box Co. 

At The Box Co., we make moving as easy and affordable as possible. We know how important it is to keep your items safe when moving which is why, whatever your existing insurance, all of our moves include insurance as a standard.

If you’re looking for professional movers at affordable prices with insurance included, talk to our team today.

With moves starting from just £199 and insurance included, we’re dedicated to keeping your items safe when moving. Get in touch today!