Will my Home & Contents Insurance Policy cover the removal insurance?

Contact your insurer to find out if this is the case. Many people think their home contents insurance covers transit of their goods when they move house. If it is, it is also important to find out exactly what is covered. An authorised AFRA member can offer a full range of cover from Restricted to Full Cover if you are not satisfied with the level of cover offered by your home contents policy.

Does my Home & Contents Insurance cover my goods while in store?

Contact your insurance company and find out exactly what your cover is for. Make sure they are aware that your goods will be stored in a bulk storage facility with no access to the public. This may affect the level of cover offered. An authorised AFRA member can can offer either Restricted or Full cover of your goods while in store. To take advantage of Full cover, the goods also need to be insured for Full Cover transit insurance when coming into store and going out of store.

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What is Removal Transit Insurance?

Well, removal transit insurance means your goods are insured while they are being transported. This means it only covers your goods while they are in a vessel (like a truck, ship, and aircraft) for fire, flood, overturning, lightning, collisions and accidents. A lot of people think if another vehicle runs into the truck won’t they have insurance like 3rd party property. Yes, but if the driver of the other vehicle in under the influence of drugs or alcohol, even if they have insurance the insurance company will wipe them as this is outside of their policy conditions.

Sometimes there is the case where the driver has no insurance, registration or no driver’s licence, so they have no cover. Transit insurance will not only cover for these types of situations, it also covers you if there is no-one to blame.

I have a story that happened a few years ago of a removalist company that was driving a truck load of furniture to Melbourne. On the way, the driver stopped at a rest area for a break. That particular day it was quite windy. As the driver was in the bathroom, a huge gum tree fell over onto the middle of the truck pan and crushed it. The removal company have comprehensive insurance to cover their truck, so they were fine, however the goods are not covered, and you can’t take a tree to court. The customers in this story did not have transit insurance to cover their goods. The customers still had to pay the removalist as they had done nothing wrong, plus they had to pay for another truck to come out and salvage what they could. And as they were salvaging the goods it started to rain, so whatever wasn’t damaged got wet.

This is an amazingly unlucky story, but you never know what can happen. Transit insurance seems cheap when you consider what can happen.

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This question is asked a lot.

The name of this type of insurance policy is called ‘Transit Insurance’ or ‘Restricted Cover’. It covers your goods while they are in the truck only. Outside of the truck to the house is called ‘All Risk’. All Risk is a more extensive and totally different cover which includes transit insurance cover, which I will explain in another post.

Many people think their home contents insurance covers insurance of their goods when they’re moving however this is not always the case. From my research, I have only found one company that provides transit insurance only. It is important to find out exactly what is covered, so check your policy wording and contact your insurance company. It’s a good idea to contact your insurance company anyway as your living conditions and belonging will change, so will your policy. For example, different areas are considered more or less risk depending on the terrain, house values are different and your amount of furniture may change, more items or less items.

Most polices can be transferred to your new house, but if there is a delay from when you move out till when you move in the insurance company may make you cancel your policy and start a new one.

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Junking Big Electronics and Appliances

Today, people continue to think progressively when it comes to the health of the environment, especially in the context of Junking Big Electronics and Appliances. Although it might save you time in the long run, tossing old, large electronics and appliances directly into the nearest dumpster can substantially fuel ecological decline. As an individual, this action may seem insignificant compared to the grand scheme of things, but it’s the individual contributions that comprise the aggregate detrimental effect. Here are some quick and “less” dirty ways to go about eliminating old equipment.

Resale

Before you decide to throw away an item, consider its value. Maybe you’re the type of person who takes great care of your belongings, and maybe you recently got a pay rise at your job, and now you want to purchase a new flat screen television or a new set of stainless steel kitchen appliances. If the old gear functions properly, why not try to sell it? For local buyers, make a simple Gumtree ad or look into Lawson’s Auctions or even host your own garage sale. For national / distant buyers, head to eBay – just make sure the buyer handles shipping costs!

 Reuse

In general, donating reusable belongings is a win-win for all parties involved. The recipient(s) benefit because they receive something functional and at no cost, whereas the donor benefits from the knowledge of knowing they helped someone. Plus, if the organisation qualifies as a deductible gift recipient, the donor could be eligible for a tax deduction. However, the donation must be a true gift and must meet certain value standards. A word to the wise: in instances where furniture, appliances and electronics are too big to move, worn out or otherwise difficult to repurpose, consider looking into a backup plan.

 Remove

Most local waste disposal companies will allow you to drop off old appliances, however, you’ll likely be responsible for transportation. On the other hand, rubbish removal services can be hired to come to your place of residence and pick up unwanted items. These options are ideal for irreparable belongings. If it is electronics that require disposal, call up local electronic stores, as some operate electronic and computer recycling programs. In some cases, they’ll even pick up the electronics for free or at a low cost.

Furthermore, the Fridge Buyback Program is a good option for those looking to purchase a new, more efficient refrigerator. The program includes a free collection service and taken in more than 49,103 fridges!

See also our FAQs and Tips

Chat with our team 1300 420 958

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This is up to you, but we strongly suggest that you consider it, as your goods will be exposed to a higher risk of loss/damage than when they are inside your home.

If the removalist has taken all care and something does happen that is outside of the removalist control and the goods do not arrive as it left the previous address, then unless you can prove negligence, you have no claim.

Also, if the vehicle is involved in an accident and the other party is not insured, and the accident is their fault – then you again have no claim.

Click here to visit our Insurance FAQ page for more answers to common questions

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I was told that I could get ‘free insurance’ by another removal company. Why don’t you also offer that?

The free insurance that some removalist companies offer is their insurance that they may have for themselves. This is only transit insurance and is not for the customer directly, and if a claim is made the money goes to the removalist and they decide how much the claimant is paid.

• The company is registered with ASIC as a licensee or as an authorised representative to provide insurance
• The person discussing insurance must have a valid authorisation stating he or she is a licensee or authorised representative.
• The policy identifies you, the customer, as the insured party
• You receive a certificate of insurance validating your insurance with your name and the name of the insurance company on it along with their contact details.

See also our FAQs and Tips

Chat with our team 1300 420 958

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The post Could I save money by getting boxes from shops? appeared first on Sydney & Northern Beaches Removalist | Pittwater Removals.

You can use thick strong garbage bags, to put donnas, cushions, pillows and soft toys in them. This will save buying a box, it will keep them clean and the movers can easily carry four at a time- as long as they are tuff bags and later you can reuse them as a garbage bag. Keep them next to the bed so in the morning on moving day just get out of bed shove your bedding into a few bags and your done!

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