Transit insurance
Insurance for Your Move
Even with professional packing and handling, transport carries some risk. Ask your Biddulphs consultant about transit insurance for your move.
Before you move
Ask About Cover Early
Whether you are moving across town or abroad, ask your Biddulphs consultant about transit insurance when you discuss your quote. Before you accept cover, ask for the details listed here and read them carefully.
The cover available depends on your shipment and the policy that applies to it. A website enquiry does not arrange or confirm insurance; your consultant will explain what is available and what you need to complete.
What to ask for
- The current policy wording, and the insurer and intermediary providing it
- What is covered: local, long-distance or international transit, and storage
- How your goods are valued: replacement cost at destination or another basis
- The excess you would pay on a claim
- Exclusions and conditions, such as owner-packed cartons, fragile items, vehicles or valuables
- How and by when to make a claim
Preparing your cover
Value Your Belongings Carefully
List everything
Insurance usually depends on a complete list of what you are moving. Include every item on the insurance application or a detailed valued inventory: anything left off may not be covered.
Complete the list yourself, or check it carefully. You know your belongings and their value best.
Avoid under-insuring
Ask how the policy values your goods, for example the cost of replacing them at your destination, and how vehicles should be valued.
Many transit policies reduce a claim in proportion if goods are insured for less than their true value. Check how your policy treats under-insurance before you move.
On delivery
If Something Is Damaged
- Check items against your inventory as they are brought in, and note any damage on the form.
- Tell your move coordinator as soon as possible.
- Follow the claims instructions in your policy or confirmation of insurance, and keep damaged items and packaging until the claim is settled.
Ready to make your move?
Get a free, no-obligation quote from your nearest Zimbabwe branch and experience the Biddulphs difference.