Transit insurance is a must-have for moving locally, interstate or overseas. Without it, moving can quickly turn from exciting to tragic.
Don’t forget to factor in transit insurance to protect your belongings as you plan your next big move.
If you haven’t heard of transit insurance before or you’re on the fence about taking out cover through your Perth removal company, here are some key considerations from KEYS The Moving Solution.
What is transit insurance?
Transit insurance provides financial cover for your furniture and belongings if they are damaged, broken or lost in transit.
Regardless of how far you are moving, relocating always carries some degree of risk. If anything happens to your belongings during the move, transit insurance can help repair or replace the item, pay for temporary storage, and even find temporary accommodation.
What does transit insurance cover?
Insurance cover varies between policies, and you should always read the Product Disclosure Statement to understand specific cover.
In general, transit insurance provides cover for:
- Damage or loss during loading and unloading
- Damage or loss during packing and unpacking
- Damage or loss while your belongings are in transit
- Removalist mishandling
- Unexpected storage costs
- Temporary alternative accommodation
Transit insurance can even extend to international relocations where our global network partners handle our belongings on our behalf.
What isn’t covered?
Most transit insurance policies cover all your belongings, furniture and equipment. Some exclusions may apply, such as:
- Cash
- Credit or debit cards
- Items covered elsewhere in your content insurance policy
Plus, transit insurance cannot cover anything on AFRA’s list of items ineligible for removal. Dangerous items (like firearms), plants, animals, items in an unclean condition, BBQ gas cylinders without proper certification; these are all automatically excluded from transit insurance policies.
Is transit insurance the removalists’ responsibility?
While we take the utmost care to ensure a stress-free move, transit insurance is your responsibility.
Other removal companies might try to convince you that removalist insurance is sufficient. It’s not.
Removalist insurance, unlike transit insurance, only covers the removal company against claims. It won’t replace your furniture, belongings or office equipment.
Why insurance is always worth the money
Transit insurance is something we hope you never need to use. Our removalists are highly experienced and professional; those standards extend to the international partners we choose to work with.
However, accidents do happen.
Theft, road accidents, rough seas, bumpy landings and many more unexpected events can disrupt your big move. With a transit insurance policy that covers all your bases, you can ensure any losses will be reimbursed by the insurer.
How to take out transit insurance
Some home and contents insurance policies might include transit insurance. You should consult your current insurer to determine if their level of cover extends to relocations.
If not, KEYS The Moving Solution can organise standalone transit insurance for you. Our experience and established networks mean we have access to competitive rates on the industry’s best transit insurance policies.
Speak to Perth’s premier removal company about transit insurance requirements, including how to understand your policy when preparing to move.
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