One of the best parts of working with removalists is that a majority of them around Australia have insurance policies. They offer insurance as a means of protecting you from any liabilities that might come about should any of your items be lost or stolen or damaged.
But not all removalists’ insurance policies are truly alike. Every team has its own rules for how to cover the risks associated with a variety of risks that are likely. These include rules about how certain items should be packed and stacked, and what is the best type of material for packaging.
The rules over what contents are covered by your insurance policy should be analyzed carefully. Look at how the rules relate to individual types of materials based on what’s on the manifest or inventory that you fill out.
Some dangerous items may not be included in your insurance policy. These include corrosive or flammable items as well as anything that might put other items being moved at risk of significant harm or damage. In most cases, removalists will refuse to carry dangerous goods, since they don’t have the required dangerous goods licence.
There could also be financial limits involved when getting insurance for items being moved by removalists. You could be limited to a million dollars of coverage or so, for instance. The terms do vary based on who you contact so many sure you look carefully at what’s available. If you have valuable items maybe furniture or carpet, etc., it is always wise to have your own insurance increased to cover them in transit.
Sometimes age restrictions might be added to an insurance policy. This is where items that are beyond a certain age might not be covered. These include vintage goods or appliances that might be considered outdated or at risk of serious harm in transit.
But even so, they understand that some of those older items might be fragile and could be at risk of damage or wear during the removal process. As a result, they know that there is a clear risk involved with moving some of these older goods. This may be reflected in the insurance policy being used.
Your insurance may also cover a variety of transit options. Separate insurance policies might be available for removal by boat, plane or vehicle. Each removal procedure has its own individual risks attached to it, thus requiring insurance policies to be different for each one. The rules involved with those policies can be varied so make sure you look at how well the insurance supports the goods that you have to move to another location.
Talk with any removalists you plan on working with to see if their insurance policies cover you for loss and damage, or if they only cover the removalists for litigation caused by the loss. Removalists are more likely to have insurance to protect themselves rather than your goods.
