Removals Insurance London
- £250 excess on each covered claim
- Written declaration of values required
- UK goods in transit cover subject to policy terms
- Clear guidance on exclusions and valuation
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Understanding Removals Insurance in London
Removals insurance London customers should understand before moving is not simply about whether cover exists. The excess, declared value of your belongings and policy exclusions can all affect how a loss or damage claim is considered.
What the Policy Covers
The current policy wording describes cover for physical loss of or damage to goods in transit anywhere in the UK, subject to the policy terms, conditions and exclusions.
The £250 Excess
The policy conditions state that the first £250 of every covered claim for loss or damage is not accepted as the responsibility of Removals and Storage X.
Declare Your Values
The sum insured is based on the value declared in writing when booking. Without a written declaration of values, liability is limited by the trading conditions that form part of the contract.
The £250 Excess and Sum Insured
The current policy wording sets out both the excess that applies to a covered claim and how the insured value of your belongings is established.
Excess Per Covered Claim
In line with the policy conditions, Removals and Storage X does not accept responsibility for the first £250 of every claim for loss or damage covered by the insurance.
How the Sum Insured Is Set
The sum insured is based on the value declared to Removals and Storage X in writing when the service is booked.
A clear declaration should reflect the belongings that are being moved or stored. This is particularly important for valuable furniture, artwork, antiques, business equipment and other items where the declared value may be relevant to a later claim.
If you are unsure how an item should be declared, raise it before collection so the booking documents can be checked before the move begins.
Declaration of Values and Maximum Replacement Value
The current policy wording states that Removals and Storage X cannot accept responsibility for insuring goods unless a written declaration of values has been provided.
If no written declaration is supplied, liability for loss or damage is limited by the trading conditions that form part of the contract with the customer.
The policy extract currently available on the website does not state a separate fixed Maximum Replacement Value figure. A specific replacement value should therefore not be assumed unless it appears in the full policy schedule or booking documentation.
Before Collection
- Prepare a clear list of the belongings being moved.
- Record realistic values for the goods being declared.
- Identify antiques, artwork and other valuable items.
- Raise unusual or specialist items before booking.
- Keep a copy of the declared values with your move records.
How the Basis of Valuation Works
The policy wording states that insurers consider several factors when calculating the settlement value of an item.
Age
The age of the item is taken into consideration when assessing its value.
Quality
The original and current quality of the item can affect the settlement calculation.
Degree of Use
The amount and nature of previous use are considered when assessing value.
Market Value
The resulting market value is considered as part of the insurer's assessment.
If damaged goods can be repaired, the policy wording provides for repair costs only and excludes depreciation in value caused by the damage.
If a lost or damaged item forms part of a pair or set, only the individual lost or damaged item is considered. Depreciation affecting the remaining pair or set is excluded.
What Does the Removals Insurance Cover?
The policy wording describes cover as all risks of physical loss of or damage to goods in transit anywhere in the UK, subject to the policy conditions and exclusions.
Goods in Transit Within the UK
The insurance wording applies to physical loss of or damage to goods in transit within the UK.
This does not mean that every cause of damage or every category of item is automatically covered. The exclusions and conditions remain part of the policy.
When Timing Matters
The policy excludes loss or damage that takes place before collection or packing by the insured company.
It also excludes loss or damage occurring after delivery or unpacking by the insured company.
If packing needs to form part of your move, review the available packing services before booking.
Important Removals Insurance Exclusions
The standard policy wording includes several exclusions. These should be considered before collection, particularly if unusual, fragile, valuable or restricted goods are involved.
Vehicles, Boats and Caravans
Cars, other motor vehicles, boats and caravans are excluded except in the specific circumstances described within the policy wording.
Electrical and Mechanical Derangement
Electrical or mechanical derangement is excluded unless it results from qualifying physical external damage, fire, flood, collision or overturning.
Owner Packed Goods
Breakage, scratching, denting, chipping, staining and tearing of owner packed effects are subject to specific exclusions.
Before Collection or After Delivery
Loss or damage before collection or packing by the insured company, or after delivery or unpacking by the insured company, is excluded.
High Value Personal Items
Jewellery, watches, precious stones, precious metals, money, deeds, securities, stamps and similar items are restricted unless secured as required by the policy.
Wear and Deterioration
Wear and tear, gradual deterioration, warping, shrinkage, moth and vermin are excluded except in the circumstances specified within the policy.
Consequential Loss
Consequential loss is excluded under the current policy wording.
Food, Plants and Certain Fragile Goods
Refrigerated or frozen food and drink, plants, house plants, brittle objects and goods with inherent defects are included among the exclusions.
Dangerous or Prohibited Goods
Prohibited goods, stolen goods, drugs, gas bottles, aerosols, paints, firearms, ammunition and other potentially dangerous or explosive goods are excluded.
Animals
Animals and their cages or tanks, including pets, birds and fish, are excluded.
Mysterious Disappearance
Mysterious disappearance is excluded unless the evidential requirements described in the policy wording can be satisfied.
Storage Outside Normal Transit
Storage outside the normal course of transit is excluded unless agreed with insurers in advance.
Owner Packed Goods and Missing Items
Customers who pack their own belongings should pay close attention to the policy terms.
Breakage, scratching, denting, chipping, staining and tearing of owner packed effects, including trunks and suitcases, are excluded unless the damage can reasonably be attributed to the qualifying circumstances described in the policy.
If you would rather have packing included in the agreed move service, review the available packing services before booking.
Missing Item Claims
The policy contains an important condition for missing goods.
Claims for missing items are excluded unless a valued list of contents was supplied before transit began and approved for insurance.
Preparing a detailed inventory before collection can therefore be particularly important. Keep a copy of the inventory and declared values with your moving documents.
Theft, Storm and Water Damage
The policy wording currently available does not provide blanket statements covering every type of theft, storm or water damage. The specific wording matters when considering these risks.
Theft and Missing Goods
The policy specifically addresses mysterious disappearance of customer goods in transit or storage.
Such loss is excluded unless the evidential conditions stated in the policy wording can be satisfied.
Flood and Water Damage
Flood is specifically mentioned in relation to electrical and mechanical derangement.
The supplied policy extract does not separately define wider water damage cover, so broader cover should not be assumed from this summary.
Storm Damage
The supplied policy wording does not specifically define storm damage cover.
A storm related loss should therefore be considered against the full insurance wording and booking documents.
Insurance Premiums and Booking
The policy wording currently available on the website does not state a fixed insurance premium, percentage rate or separate insurance charge.
No premium figure should therefore be assumed unless it appears in the current quotation, booking documentation or full policy schedule.
This avoids presenting an insurance cost that is not supported by the policy information currently available.
Check Before You Book
- The value being declared in writing
- The £250 excess
- Relevant exclusions
- Any insurance charge shown in your quotation
- Special requirements for unusual or valuable goods
- The current insurance and trading conditions
Claims, Repairs and Fraud
The policy extract currently displayed on the website does not provide a complete claims procedure or all notification deadlines. Any claim should therefore be considered together with the current policy and booking documents.
Record the Loss or Damage
Keep clear details of the affected item, the declared value and the nature of the loss or damage.
Check the Policy Wording
Check whether the goods and type of loss fall within the current policy wording and whether an exclusion applies.
Consider the £250 Excess
The first £250 of every covered claim is not accepted as the responsibility of Removals and Storage X under the stated policy conditions.
Use the Current Claim Instructions
Refer to the current booking documents and full policy for the applicable claims procedure, contact details and any deadlines.
Fraudulent Claims
If a claim is knowingly false or fraudulent in relation to the amount claimed or otherwise, the insurance becomes void and claims under it are forfeited.
Law Applicable to the Insurance Contract
The terms and conditions of the insurance policy are subject to the law and jurisdiction of England.
The insurance has been arranged in the name of Removals and Storage X. The wording currently displayed states that customers do not have enforceable rights directly under the company's insurance policy.
This guide is designed to make the current insurance wording easier to understand. The full policy, trading conditions, quotation and booking documents remain important when determining the cover applicable to an individual move.
Removals Insurance London FAQs
Key points to understand before your belongings are collected.
The current policy wording states that Removals and Storage X does not accept responsibility for the first £250 of every covered claim for loss or damage.
Yes. The sum insured is based on the value declared in writing when booking. The policy wording states that without a written declaration of values, liability for loss or damage is limited by the company's trading conditions.
The policy extract currently available on the website does not state a separate fixed Maximum Replacement Value figure. Any specific replacement value should be checked against the full policy schedule and booking documentation.
No blanket cover should be assumed. The policy contains exclusions for breakage, scratching, denting, chipping, staining and tearing of owner packed effects unless the qualifying circumstances described in the policy apply.
Claims for missing items are excluded unless a valued list of contents was supplied before transit and approved for insurance. The policy also contains a separate exclusion concerning mysterious disappearance.
The supplied policy extract does not provide blanket storm or water damage cover. Flood is mentioned in relation to electrical and mechanical derangement, while storm damage is not specifically defined in the wording supplied for this page.
The policy wording currently available on the website does not state a fixed premium, percentage rate or separate insurance charge. Any applicable figure should be checked in the quotation, booking documents or policy schedule.
The policy wording states that where damaged goods can be repaired, settlement is based on repair costs only and excludes depreciation in value caused by the damage.
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