What is removals insurance?

What is Removals Insurance? Protect Your Belongings During a Move

When it comes to moving to a new home or office, one of the most important things to consider is the safety and protection of your belongings. No matter how carefully you pack and transport your items, accidents can still happen. That’s why it’s crucial to have removals insurance in place.

In this article, we will explore what removals insurance is, why it is necessary, and how it can give you peace of mind during your move. We will also provide some tips on choosing the right insurance policy for your needs.

Table of Contents

  • What is removals insurance?
  • Why is removals insurance necessary?
  • What does removals insurance cover?
  • How to choose the right removals insurance policy
  • Key takeaways
  • FAQs
  • Conclusion

What is Removals Insurance?

Removals insurance, also known as moving insurance, is a type of insurance that provides coverage for your belongings during a move. It is designed to protect your items against damage, loss, or theft while they are being transported from one location to another.

When you hire a professional removals company, they may offer their own insurance policy to cover your belongings. However, it’s important to note that this coverage may have limitations and exclusions. It’s always a good idea to review the policy details and consider additional insurance options to ensure you have adequate protection.

Why is Removals Insurance Necessary?

During a move, your belongings are exposed to various risks, including damage from handling, accidents during transportation, and even theft. Without removals insurance, you would be responsible for covering the costs of repairing or replacing any damaged or lost items.

Here are a few reasons why removals insurance is necessary:

  • Peace of mind: Knowing that your belongings are protected can give you peace of mind during the moving process. You can focus on other aspects of your move without worrying about the safety of your items.
  • Financial protection: If any of your belongings are damaged or lost during the move, removals insurance can help cover the costs of repairing or replacing them. This can save you from unexpected expenses.
  • Professionalism: Hiring a removals company that offers insurance shows their professionalism and commitment to ensuring the safety of your belongings. It gives you confidence in their ability to handle your move.

What Does Removals Insurance Cover?

The coverage provided by removals insurance can vary depending on the policy and insurance provider. However, here are some common types of coverage:

  • Full-value protection: This type of coverage ensures that the insurance company will either repair, replace, or compensate you for the full value of any damaged or lost items.
  • Depreciated value protection: With this coverage, the insurance company will compensate you based on the depreciated value of the damaged or lost items. This means that you may receive less than the original value of the items.
  • Third-party liability: Some removals insurance policies also provide coverage for any damage or injuries caused to third parties during the move.

It’s important to carefully review the policy details and understand what is covered and what is not. Some items may have specific limitations or exclusions, such as high-value items or fragile items. If you have any valuable or delicate items, consider getting additional insurance or taking extra precautions to protect them during the move.

How to Choose the Right Removals Insurance Policy

Choosing the right removals insurance policy is essential to ensure you have adequate coverage for your belongings. Here are some factors to consider:

  • Coverage options: Look for a policy that offers comprehensive coverage for your specific needs. Consider the value of your belongings and any high-value or fragile items that require special coverage.
  • Policy limits: Check the policy limits to ensure they are sufficient to cover the value of your belongings. Some policies may have limits on individual items or total coverage limits.
  • Deductibles: Consider the deductible amount, which is the portion of the claim that you are responsible for paying. Choose a deductible that you can comfortably afford.
  • Insurance provider: Research the reputation and reliability of the insurance provider. Look for customer reviews and ratings to ensure they have a good track record in handling claims.

Take the time to compare different insurance policies and consider obtaining quotes from multiple providers. This will help you make an informed decision and choose the policy that offers the best coverage at a reasonable cost.

Key Takeaways

  • Removals insurance provides coverage for your belongings during a move, protecting against damage, loss, or theft.
  • Having removals insurance gives you peace of mind, financial protection, and shows the professionalism of the removals company.
  • The coverage provided by removals insurance can include full-value protection, depreciated value protection, and third-party liability.
  • When choosing a removals insurance policy, consider coverage options, policy limits, deductibles, and the reputation of the insurance provider.


Is removals insurance necessary?

While removals insurance is not legally required, it is highly recommended to protect your belongings during a move. Accidents can happen, and having insurance ensures that you are financially protected if any of your items are damaged, lost, or stolen.

Can I use my home insurance for removals?

Some home insurance policies may offer limited coverage for belongings during a move. However, it’s important to review the policy details and consider additional removals insurance to ensure you have adequate coverage. Home insurance may not cover certain risks associated with moving, such as damage during transportation.

How much does removals insurance cost?

The cost of removals insurance can vary depending on factors such as the value of your belongings, the distance of the move, and the coverage options you choose. It’s best to obtain quotes from different insurance providers to compare costs and coverage.

Can I get removals insurance for international moves?

Yes, removals insurance is available for international moves as well. If you are moving abroad, it’s important to ensure that your insurance policy covers the specific risks associated with international transportation.


Removals insurance is a crucial aspect of any move, providing protection and peace of mind during the transportation of your belongings. By understanding what removals insurance is, why it is necessary, and how to choose the right policy, you can ensure that your items are well-covered and safeguarded throughout the moving process.

Remember, accidents can happen, but with removals insurance, you can be prepared and minimize the financial impact of any unfortunate events. Don’t overlook the importance of insurance when planning your move.