Removal Insurance: Protecting Your Belongings During a Move

When you're moving house, it's easy to get caught up in all the logistics like packing and hiring movers. But don't forget about the safety and security of your belongings during the move. That's where removal insurance comes in. Dive into the world of removal insurance - why it's important, what it covers, and how you can move with peace of mind.

Moving houses is a very dynamic situation and there are elevated risks while your household items and furniture are being loaded, in transit and unloaded. These are some common problems:

• Damage during transit - Tight access or narrow spots during the loading and unloading process or moved in and out of storage pose a risk to items being damaged during transit.
• Loss of items - Loss of items is another common issue. While exact numbers vary, industry reports often indicate that a small but notable percentage of moves involve the loss of items.
• Handling fragile items - Fragile items, such as glassware or electronics, are particularly at risk of breakage.
• Moving long distances - The risks increase with the distance of the move. For long-distance or international moves, the chance of mishaps can be higher due to the extended handling and transit time.
• Unpredictable circumstances - Examples of unpredictable events, like sudden weather changes can cause damage to items in transit. For example, a sudden storm during a move may result in water damage to items.

What is removal insurance?

Removal insurance is a specialised type of policy designed to protect your personal belongings while they are being moved from one location to another. It differs from standard home and contents insurance, which typically covers items within your home but not during the process of moving. Removals insurance specifically addresses the risks and potential damages associated with moving, providing coverage for your belongings during transit, and often including loading and unloading phases.

This type of insurance is crucial because it fills the gaps left by other policies. While some might assume that their belongings are covered by the moving company's insurance, this is not always the case. In fact, the coverage offered by moving companies is often limited and may not compensate for the full value of lost or damaged items.

Why is removal insurance important?

Moving insurance policies can vary greatly in terms of coverage. They typically protect against loss or damage to your items due to accidents, handling errors, and environmental factors during transit. More comprehensive policies may also cover items during loading and unloading, temporary storage if required, and even transit delays.

The essence of moving insurance lies in its ability to provide peace of mind. Knowing that your belongings, from everyday items to precious heirlooms, are protected against unforeseen circumstances can make your moving journey much less stressful. As you plan your move, understanding and choosing the right removal insurance becomes a critical step in safeguarding your belongings.

The importance of removal insurance becomes evident when you consider the potential risks and uncertainties involved in moving house. Moving day can be chaotic, and despite the best efforts of professional movers, accidents can happen. Items can get damaged, lost, or even stolen, turning what should be an exciting life event into a distressing experience.

• Protection against damages and losses - The most obvious reason to opt for insurance is the protection it offers against physical damage or loss of your belongings during the move. This can range from minor damages to significant losses.
• Limited liability of moving companies - It's crucial to understand that most moving companies have limited liability for loss or damage to your belongings. Their coverage might not reflect the actual value of your items, leaving you under-compensated in case of a mishap.
• Peace of mind - Knowing your possessions are insured during the move can significantly reduce stress. This peace of mind is invaluable, allowing you to focus on other aspects of your relocation.
• Coverage for various risks - Moving insurance covers a range of risks, including accidents, theft, and sometimes even damages caused by natural disasters or unforeseen delays, which are not typically covered by basic moving company policies.
• Financial security - In the event of damage or loss, the financial impact can be significant. Removal insurance helps mitigate this risk, ensuring that you're not out of pocket for replacements or repairs.  

Public Liability Insurance for Watsons Removals & Storage.

We are covered by Public Liability Insurance up to $20 million

At Watsons Removals & Storage, is indeed a trading name under sam express transport pty. ltd. (ABN 51 614570053). we prioritize the safety and security of your belongings, as well as the well-being of our clients and the general public. Our Public Liability Insurance is designed to provide comprehensive coverage in the event of any accidents, damage, or injuries that occur during the course of our removal and storage services. If a customer’s property is damaged or someone is injured during the move, the insurer could pay up to $20 million in compensation to cover the loss or legal costs — depending on the situation and policy terms and conditions. Please note, $500 access applies to customers in case of claim. In regards to Transit insurance, this is not something we automatically include in our services. We understand that every move is different, and so is the value each customer places on their belongings whether it’s sentimental or financial. Since we can’t know the importance of every single item, we recommend checking with your home and contents insurance provider, as they may be able to offer Transit Insurance to cover your goods during the move. Please note, we are not licensed insurance brokers, and we believe it's best to leave insurance matters to the professionals — while we focus on what we do best: safely moving your furniture.

Key Benefits of Our Public Liability Insurance:

• Protection Against Property Damage: If, during our removal or storage services, damage is caused to a client’s property or a third-party property, our insurance covers the cost of repairs or replacement.
• Coverage for Personal Injury: If any member of the public or a client is injured while we are moving or storing goods, our public liability insurance ensures the costs associated with medical treatment or legal expenses are covered.
• Legal Protection: In the unfortunate event of a lawsuit or claim related to personal injury or property damage caused by our operations, our insurance covers legal costs, settlements, and compensation.
• Third-Party Incidents: Our insurance covers any incidents involving damage or injury to third parties that may occur as a result of our moving and storage activities, whether on-site or in transit.
• Peace of Mind: Our commitment to holding comprehensive public liability insurance ensures that clients can rely on us to carry out our services safely and professionally.

At Watsons Removals & Storage, we’re proud to have a track record of zero damage, thanks to our use of professional removal techniques and careful handling. We always do our utmost to protect your belongings every step of the way.

Watsons Removals & Storage are Trusted by Australian Families for their move!!