Removals Insurance

Moving home or office involves many moving parts. Removals insurance is there to protect your belongings and give you confidence that, if something goes wrong, there’s a clear way to put it right. House Removals North London provides appropriate insurance for moving house and commercial premises across North London, with straightforward cover explanations and transparent terms.

What Our Removals Insurance Includes

We maintain core covers designed for professional moving companies. Proof of insurance on request is available before your move date.

Public liability cover: Protection for accidental damage or injury to third parties or property during our work.
Goods in transit cover: Cover for your belongings while they are being handled, packed, loaded, transported, and unloaded by our team.
Optional cover levels: Depending on the value and nature of your items, we can discuss coverage limits and options to ensure adequate protection.

If you’d like to see our certificates or policy summaries, contact our office. You can also read more about our approach on About us and explore how we handle each step on How it works.

Public Liability Cover

Public liability cover is designed to protect against accidental damage or injury caused to third‑party property or persons during the course of the move. Examples include:

Minor damage to communal areas during access
Accidental contact with fixtures or fittings
Trip hazards while loading or unloading

This cover supports the financial consequences of such incidents, subject to policy limits and terms and exclusions. It is not a substitute for building insurance or a guarantee against all risks; it applies in defined circumstances connected to our activities.

Goods in Transit Cover

Goods in transit cover relates to your personal or business items while in our custody and control. In practical terms, here’s what goods in transit covers:

Loss or damage to items while they are packed (if we pack), carried to the vehicle, in the vehicle during transport, and carried to the destination property
Reasonable steps to mitigate loss (e.g., re‑packing a damaged carton to prevent further impact)
Cover during necessary stops as part of the journey plan

Cover is subject to the valuation and inventory you provide and our carriage conditions for removals. Certain items or scenarios may be excluded or require pre‑approval; we explain the most common situations below.

For a step‑by‑step of what we do on the day, see How it works.

Optional Cover Levels and Upgrades

Every move is different. We offer optional cover levels to align with the nature and value of your goods:

Increased single‑article limits for high‑value items
Higher total consignment limits for full-house or office moves
Specific listing for antiques, fine art, or specialist equipment
Add‑ons when we provide full packing versus when you self‑pack

We’ll discuss coverage limits and options during quotation. If the declared value of goods exceeds standard limits, we’ll advise on suitable options or documentation needed.

To start the process, share details via Get a quote or speak to us on 020 4634 3846.

Terms and Exclusions: What You Should Know

Insurance policies have terms and exclusions common across the removals industry. While each policy may differ, the following principles usually apply:

Pre‑existing damage: Wear, tear, and previously damaged items are not covered.
Owner‑packed boxes: Contents of cartons packed by the owner may be excluded from certain types of damage (e.g., inadequate packaging). We recommend our Packing services or following our Packing guide.
Fragile items policy: Glass, ceramics, artwork, mirrors, and electronics must be professionally packed and labelled as fragile. Please advise us in advance of any such items.
Prohibited or hazardous goods: Cash, jewellery, important documents, live plants, and hazardous materials are typically excluded. Keep these with you.
Mechanical and electrical derangement: Internal failure of appliances or electronics not caused by external impact may be excluded.
Conditions of access: Damage resulting from forced or unsafe manoeuvres where safe access was not available may be excluded unless agreed with method statements.
Time limits for claims: Policies usually require prompt notification of loss or damage and evidence of condition before and after the move.
Matching sets and pairs: Cover may apply to the damaged item only, not to undamaged matching items.

We are happy to clarify any terms and exclusions relevant to your move and provide our carriage conditions for removals on request.

Responsibilities and Liabilities

Clarity helps prevent misunderstandings. Our responsibilities and liabilities include:

Professional handling: Using appropriate equipment, protective materials, and trained staff to reduce risk.
Risk assessment: Assessing access, parking, and handling requirements. Share details early via our Parking and access guidance.
Inventory and valuation: We rely on your declared value and item list to set suitable cover levels.
Documentation: We’ll issue booking confirmation and relevant details of your cover and conditions before the move.

Your responsibilities typically include:

Accurate disclosure: Let us know about high‑value, fragile, or unusual items in advance.
Adequate packing: If you self‑pack, use sturdy materials and proper cushioning; seal and label boxes clearly.
Access and parking: Secure permissions, permits, or bay suspensions as needed to avoid rushed handling.
Inspection on delivery: Check items on arrival and report any concerns promptly so we can record and assist.

For more preparation tips, see our Moving house checklist.

Valuation and Inventory Requirements

Insurance is based on the total replacement value of your goods. Please:

Provide a fair total value for the consignment
Highlight any single items valued above typical limits
Share photographs of valuable or fragile pieces
Note the original packaging availability for electronics or appliances where applicable

For commercial move insurance, include asset registers or equipment lists. A clear inventory helps us tailor cover and speeds up any damage claim process for moves.

Commercial Move Insurance

Office removals and commercial relocations often involve higher‑value equipment and sensitive materials. Our approach includes:

Goods in transit cover structured around equipment, IT hardware, and office furniture
Optional increased limits to reflect business critical assets
Agreed handling plans for servers, copiers, safes, and specialist kit
Coordination with your facilities or IT teams for decommissioning and re‑commissioning timelines

If your business requires method statements, proof of insurance on request, or specific risk assessments, we can provide documentation ahead of move day.

Fragile and High‑Value Items

We can move fragile items safely when properly prepared. To keep cover valid and reduce risk:

Use professional packing for glassware, mirrors, artwork, and instruments
Identify single items exceeding standard limits (antiques, designer pieces)
For pianos, artworks, and antiques, we recommend specialist handling and materials

Explore our specialist services, including Piano removals and Antique removals, and ask us about tailored protection for these moves.

Carriage Conditions for Removals

Our services are conducted under documented carriage conditions for removals. These outline:

The scope of services provided
Liability limits and how they apply
What is and isn’t covered under normal operations
Customer obligations for packing, access, and disclosure
The process for reporting and resolving claims

We will share these conditions when you book and can provide them in advance upon request.

The Damage Claim Process

If something goes wrong, here’s the straightforward route we follow:

Notify us promptly: Contact our office as soon as possible after delivery and within the policy’s notification timeframe.
Record the issue: Take photos, note carton numbers, and keep any packaging.
Evidence and forms: We may request proof of purchase or valuation for high‑value items. We’ll supply a simple claim form.
Assessment: We review details against the move records, inventory, and policy terms.
Resolution: Where a claim is accepted, remedies typically include repair, replacement, or financial settlement up to the applicable limits.

We aim to handle claims fairly and efficiently. For guidance at any point, call 020 4634 3846 or email [email protected].

What Affects Your Cover

A few factors influence your cover and the premium we pay for it:

Packing method: Professional packing by our team generally allows the broadest protection. If you prefer to self‑pack, follow our Packing guide and consider our Packing materials.
Access complexity: Long carries, narrow staircases, or restricted parking increase handling risk. Share details early so we can plan protection and manpower.
Move distance and routing: Long‑distance journeys or multi‑drop routes may affect risk; we plan to minimise exposure.
Storage: If goods are going into storage, separate terms may apply. See our Storage service for details.

Frequently Asked Points About Cover

Are my goods insured door to door? Goods in transit cover applies while items are in our custody and control from loading to unloading, and when we pack if included. Exact application depends on your service level and terms.
Can I increase the cover for a single expensive item? Yes. Tell us the item and value in advance so we can note it and arrange optional cover levels where available.
Are cash, jewellery, or documents covered? Typically not. Keep these with you.
What if I pack myself? Owner‑packed cartons may have limited cover for internal damage not caused by external impact. Consider our professional packing service.
Do I need to be present on move day? It’s helpful for checks and sign‑off. If you can’t attend, appoint a representative to confirm condition on delivery.
How quickly must I report damage? As soon as possible and within the policy’s time limits. We’ll clarify these in your booking documents.

For more Q&As, visit our FAQ.

How We Reduce Risk Day to Day

Insurance is a safety net. Prevention is our first priority:

Survey and planning: We confirm volumes, access, and special requirements at quote stage.
Protective materials: Floor runners, door covers, export‑grade wraps, and padded blankets as appropriate.
Correct equipment: Trolleys, straps, ramps, and vehicle securing systems to prevent movement in transit.
Trained crews: Careful lifting techniques and clear item labelling across the job.
Weather and timing: We adapt to conditions, allowing extra protection if rain or heat could affect delicate items.

You can see a simple overview of our approach on How it works.

Getting Your Cover Right

To ensure your removals insurance aligns with your needs:

Share a complete inventory and total replacement value
Tell us about any special pieces, fragile items, or commercial equipment
Decide whether you’d like us to pack, partly pack, or provide materials
Provide access notes, parking details, and any restrictions
Keep important items (passports, jewellery, cash) with you

Start by submitting your details via Get a quote. We’ll confirm availability, discuss coverage limits and options, and provide documentation.

Important Notes

Policies have limits, conditions, and exclusions; we will provide summaries relevant to your booking.
We do not offer personal insurance advice. If you require guidance beyond our cover details, consider independent advice.
Where your contents or business insurance requires notification of a move, please inform your provider.

Talk to Us

If you have questions about insurance for moving house or a commercial relocation in North London, we’re here to help. Call 020 4634 3846 or email [email protected]. We’ll explain your options, provide proof of insurance on request, and ensure your move is set up with the right protection.

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