FAQs – Furniture Removals Insurance

Here are the answers to some of the more frequently asked questions on furniture removals insurance.

Is insurance automatically included in my removals quotation?

Yes – and no!

To explain; your initial quotation may include what’s called third party or professional liability cover designed to protect your removals company in the event you claim compensation from them for damage.

This means that, typically, if one of the removals team dropped one of your boxes while loading it then you’d be able to ask them to deal with the costs of any damage incurred.

However, there is a whole group of related insurance risks that might not come under this category. To take another illustration, let’s say that when unpacking you found that a valuable antique had been broken in transit. You might struggle to prove that actually happened during the removal and even if it did, that it was directly attributable to your removers.

In that type of scenario, their insurance might not cover you and that’s why it’s advisable to have your own furniture removals insurance cover.

If I take out insurance, will it cover all of my items in transit?

To be sure what was included or not in your cover, you’d need to read the policy.

It might be rare bordering unheard-of for an insurance policy to guarantee to cover every conceivable item you might have included in a home removal. For example, almost all will exclude cover for any cash, financial instruments (e.g. saleable bonds) or jewellery in transit.

Some might exclude antiques or individual items above a certain value. Check with your insurance provider to be sure.

How can I keep the cost of my furniture removals insurance down?

You can try:

  • accepting market valuation replacements not asking for new-for-old cover (not all insurers will offer new-for-old cover though);

  • agreeing to meet a higher proportion of any subsequent claim from your own pocket. This is called ‘the excess’ (‘deductible’ in US English). Once again though, not all insurers offer lower premiums in return for you taking a higher excess on the policy;

  • reducing the total amount of cover you require – but don’t hopelessly undervalue your cover or it becomes pointless;

  • shop around;

  • move expensive items requiring special insurance cover yourself. That might include expensive antiques or very fragile high replacement cost items such as art glass.

How easy is it to claim?

This is always a controversial area.

Street-wise wisdom accuses insurance companies of doing anything they can to avoid paying out on claims but typically that isn’t correct. They ARE under a duty of care to make sure that claims they receive aren’t fraudulent and that they’re in compliance with the terms of the policy. This role is often badly misconstrued as obstruction.

Remember, there are lots of crooks out there who really do try to defraud insurers and the insurance companies need to be awake to those possibilities because it’s in the interests of all honest policyholders for them to stop this crookery.

However, it IS true that some insurers have a better reputation than others when it comes to efficiency and even interest in processing claims.

The only way you can check this is to research your insurer online through review sites and other sources to see what their past policyholders have to say about them. If you see long lists of complaints then you might wish to look elsewhere.

Furniture Removal Tips to Save Money

Any furniture removal can be an intimidating process no matter what the location of your new home or office. If moving interstate, the need to figure out how interstate back loading works and whether or not you should backload is crucial for a successful interstate move. 

The most important thing to do is to plan everything ahead of time and to get the right information from qualified professionals. Time is money and making the time to map out how you’ll spend your money will mean bigger savings.
 
This list contains some money saving moving tips that you might consider when undertaking a furniture removal:
 
Make a Budget and Don’t Deviate 
 
It is absolutely essential to stick to a budget once you have itemized all your expenses. Write down a list of predictable expenditures such as packing supplies, professional movers, takeout food, hotel stays, fuel, etc. Include a buffer in your budget so that if unforeseen expenditures arise, you’ll be prepared. 

Employ Professional Furniture Removalists 

Interview several removalists and get quotes. Moving expenses are normally calculated depending on the volume or the number of rooms, the distance between the two start and end locations, efforts exerted in packing as well as access, and the time of year. Peak moving times include the summer, weekends, and holidays so they will cost you more than if you were to move on other days.
 
Remember that just because one company gave the lowest price estimate, it doesn’t necessarily mean that is the best arrangement. The quality of your moving service is important, so remember to look at the policies concerning damaged items (while in the process of moving). 

Use Affordable Packing Methods and Supplies – If You are on a Tight Budget  

Do the packing and unpacking yourself. You’ll save a lot more money this way. Hunt for good deals on packing supplies. Sometimes, friends and families have these items saved up from their own moves. Get free boxes from your workplace or a local supermarket. There are plenty of ways to get cheap moving supplies. Investigate – you’ll sure find something that’ll be useful for your move. 

Lessen Your Travel Weight 

The less goods you have, the less there is to move, and the less you pay your movers. In many cases, professional movers will charge based on the volume of your possessions. So try, whenever possible, to eradicate unnecessary items. You can get rid of them via a garage sale or donate them to charity. Many things can be sold quite easily on eBay now, so don’t rule that option out when you’re ready to sell. 

Switch Off the Utilities 

Call the utility companies (and cable company) ahead of time to ensure that your service has ended on your moving day.

Switch off the water heater and turn down the heating. Be certain that all lights are not on. Lock and seal any openings such as windows and doors so that the house’s contents are protected.
 
Moving can be intimidating, but if you plan everything and start early, you’re sure to have a successful move. And always remember to ask when in doubt – checking a professional furniture removalists background and feedback can make or break your move. Enjoy these budget-friendly tips so that your moving won’t cost you too much.

Moving Tips to Prepare For Your Next Furniture Removal

Undertaking a furniture removal may sound like an easy process. I mean, you basically pack all your stuff up, move it, and unpack it, but people often underestimate how stressful it is and how much time it will take.

It often takes weeks to just pack, and you’ll be lucky if you only get a few flared tempers during this ordeal. Interstate removal is also much more of a hassle than simply moving across town, so here are a few tips for your move; hopefully it’ll make the process smoother and less stressful.

Eight Weeks Ahead

As early as eight weeks before moving day, make sure that you’re nearly done searching for the furniture removal companies that will package and move your things. You can do this by looking online or looking through ads in the newspaper.

Get some estimates, so you’ll know how much this will set you back, and obtain references to see if they’re any good. Inexperienced removalists can be a nightmare.

Seven Weeks Ahead

At least seven weeks beforehand, make a list of all the things that you will be taking with you and a list of the things you’re definitely throwing out. It will be unlikely that you will remember everything in your house, so you’ll have to decide as you go along, but this will make things much more organized, and you can check off the things you wanted to bring once you get to your new house to make sure they got there safely. This can also be very handy for insurance purposes in case anything gets broken along the way.

Six Weeks Ahead

Six weeks before moving day, make sure you have all the important documents you need in a folder or bag. This includes medical, dental, and bank records along with passports, social security cards, and other papers. Also take care of changing forwarding addresses for magazine subscriptions, catalogues, and other important services.

You should begin buying packaging materials in bulk at least give weeks beforehand. This can get pretty expensive, so buying in bulk is ideal. Make sure that you register your kids in new schools, and look for a new veterinarian in the area if you have a pet, so your old one can transfer your pet’s records where appropriate.

Five to Four Weeks Ahead

Five to four weeks before moving day, you should make appointments with moving companies about moving your things and changing your address with the post office. Be sure to check if furniture needs to be packed a certain way before furniture removal to avoid a huge hassle on moving day.

Also check guidelines regarding interstate furniture removal since laws will vary in state. And remember to schedule a transfer date with the utility companies.

Backloading as an Alternative Option

If you can afford it, professional removalists are ideal for the job, but interstate backloading can be much cheaper. The backload refers to the amount of free space that furniture removalist truck has available from point A to point B will have after their other drop off point.

Most are willing to get extra money to move your things for you. This is especially helpful for interstate backload because it will be much cheaper.

In the final three weeks, make sure you return things that don’t belong to you, so you won’t have to carry that around when you move. Start packing things you don’t use very often, and during the final week to two weeks, pack your house from top to bottom.

Depending on how many things you have and how many people are helping you pack, you might want to allow more time for packing because people often underestimate how much time packing will take.