When you move home it is important to ensure that not only are your contents insured, but so is the decoration to your current home and the house you are moving into.
Save Money On Insurance
If you consider how many objects are within our homes it is little wonder that insurance companies class the moving house process as high risk insurance.
Many household contents insurance policies cover the cost of a direct removal from one house to another but these type of policies rarely cover insurance when goods are placed into storage. You also need to consider two very important aspects if you decide to reject the removers insurance and rely solely upon your house contents cover.
Excess on your home policy
A typical removal insurance policy excess is only £25.00. A normal household policy excess can be between £250 and £500. If this is the case you are not really covered for the average sized removal claim.
Impact On Future Premiums
If you claim on your home insurance policy, in todays market this will almost certainly lead to increased premiums year on year. Claiming on a removal policy will have no effect on any future premiums at all and will protect your no claims discount on your household policy.
Piece Of Mind
Moving home is considered to be the third most stressful thing in life after bereavement and divorce. By taking out insurance through your removal company it will give you piece of mind as most will use a dedicated broker with specialist claims handlers who are used to processing removal claims.
How Is Removal Insurance Charged
This can vary but Appleyards operate a simply pricing structure for insurance. This is 10% of the base price of the removal plus Insurance Premium Tax (IPT) of 9.50%. So for a local removal of £500 plus vat the insurance cost you could expect to pay would be £50 plus of 6% (£4.75) = £54.75
Top Tips When Insuring Your Goods
Most insurance policies tend to be on and indemnity basis. This means it will put you back in the position you were in before the loss or damage occurred. If you would prefer new for old insurance this will need to be quoted for.
Removal Insurance Advice Centre Help Station
If you have not found the information that you were looking for within "Removal Insurance", or seek more assistance that is relevant but is not covered above, then please contact info@removalshull.com with your query or call 01482 221898