Insurance for household moves — explained simply

Two policies you'll be offered

• Transit-only: covers damage caused by an accident in transit (overturn, collision, fire).
• All-risk: covers transit + handling damage during loading, unloading, and unpacking. Recommended for fragile-heavy moves.

Common exclusions

• Pre-existing damage (always pre-inspect).
• Items not packed by the mover.
• Cash, jewellery, important documents.

Filing a claim

• Note damage on the delivery sheet before signing.
• Photograph immediately, ideally before unwrapping.
• Submit claim within 7 days with invoice + pre-move inventory.