Moving from one house to another can be a very big task and most people get confused in the process thus forgetting to do one thing or the other. You can always opt for a moving insurance to prevent such situations. A moving insurance insures you against different kinds of losses that you may suffer while moving from one property to other. The damages and losses that are covered depends upon the type of insurance that you opt for.
Here is a list of the organisations who provide moving insurance in Australia:
- traditional content insurance providers
- qualified removalist firms
- specialised moving insurers
CARTS’ is a popular name in this category. CARTS’ cover is “floor to floor”, which is from the moment the item is picked up by the removalist in the old property and placed in the new.
But while taking a moving insurance you must make sure to read the fine print and find out that you are getting everything you wanted. For example, if you wanted to insure your possessions while in transit, some companies will only indemnify you when you do this through verified movers and packers. Also be it any insurance the responsibility to mitigate the loss is on your shoulders and in any circumstance you must take all the necessary steps to do so.
One may think that the removalist will take responsibility for everything but that might not be the case. Generally insurance is done for dangers that can be controlled. These include breakage, damage in transit, fire and such others. The removalists will not take responsibility to any Godly act as they cannot be controlled. In such cases the person who has taken the insurance is at loss.
One will want the moving insurance to cover all kinds of losses but that is not possible nor viable and hence while taking a policy make sure you check as to what you are getting.
Paperwork for Moving Insurance Policy
Now this is the tricky part as you need to be very careful about what you are signing up for. A removalist qualified to offer insurance will be able to provide a Product Disclosure Statement (PDS), a Financial Services Guide (FSG) and documents in the client’s name.
Also, upon completion of the task you need to inform the insurer about any claims. The best way to do it to show them the goods before the moving process gets started and then show the final condition. Taking signature of photos clicked is a common way many people do this.
