The Importance Of Contents Insurance

There are so many things to consider when moving to a new house as we all know. We’re sure you will all agree that sorting out contents insurance certainly makes the ‘Most important bits to sort out when moving house’ list. 

BUT (there’s always a but) how about content’s insurance for your contents when they are actually being moved? So not in the old home and not yet in the new home? We hate to say this, and obviously, as a removal company we do all we can to keep your goods safe in transit, but if there is an unavoidable accident on the road, it’s good to know that your goods are covered.

How do you know if you’re contents are covered when you’re moving home?

One of the most obvious things to do, is check your contents policy first; it may all look like jargon, but there should be some small print somewhere in the policy document that gives this information. Failing that, just give them a call.

Some home/contents insurance policies that DO include possessions as you move WILL have a limit on the coverage amount, so just be sure it’s enough for you, and get it amended if necessary.

It’s also worth bearing in mind that valuables such as jewellery, cash and any important documents (birth certificates, passports etc) would not be covered when being moved by a removal company, so it’s always best to move these items with your personally.

It’s probably wise not go down the DIY removals route, or use a friend’s van for the move, as it’s unlikely any insurance policy will cover you should anything go wrong in transit.

Do Express Removals offer contents insurance?

There are many reputable insurance firms that can offer you a policy for when you move, however, Express Removals specialise in removals and do not offer any type of policies. Your policy should cover your possessions when they are in our hands, and covers against damage or loss due to weather, accident, storm, fire or theft.

What if your contents are kept in storage during the move? Is it still covered?

We advise that you check your policy, it may already cover this. If you know how long your items will be kept in storage, contact your provider who should be able to provide more details for you. Most storage companies such as Express do have their own insurance also, so if your own policy won’t cover it, then it’s possible that ours will.

Getting new contents cover for when you move home.

Now’s a good time to check the comparison and independent insurance sites for the best home insurance policy for you. You may be able to simply transfer your existing policy from your old home to your new from the date you exchange contracts, while still keeping your old house covered until completion. This would likely incur an admin fee but is probably less than a potential exit fee if you decided to leave your existing provider. Do your research and see what is best for you.

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