The Truth About Removals Insurance Australia-The truth about removals is that they are hard! With all that goes on in our day-to-day lives, removals are just one more thing added to all the heavy, complicated tasks we are given to handle.
From moving houses, whether intercity or interstate, or moving parts of furniture, whether for donation or gifting to a friend’s new apartment. And often removing things from your life can mean they have difficult circumstances attached to them.
Why Should Insurance Be a Priority?
Ensuring what is to be protected and what items are to be protected should alleviate tension and make you more relaxed about how to handle them. The following are the reasons why furniture should be insured:-
- Accidental Damage: Spills, tears, burns, scratches, dents, and chips can occur even in the most carefully maintained furniture. Furniture insurance can cover the cost of repair or replacement for these unexpected mishaps, helping you avoid paying for them out of pocket.
- Theft and Burglary: The loss of valuable furniture due to theft or burglary can be financially devastating. Furniture insurance can provide compensation for these losses.
- Fire and Natural Disasters: Events like fire, lightning, storms, floods, and earthquakes can cause significant damage to furniture. Home contents insurance typically includes coverage for these perils, helping you rebuild or replace your furnishings in the event of a disaster.
- Mechanical or Electrical Breakdown: For furniture with built-in mechanisms like recliners or adjustable beds, insurance can cover repairs or replacements if they break down after the manufacturer’s warranty expires
- Other reasons:- Rising Healthcare Costs, Protection Against Unexpected Medical Emergencies, Access to Quality Healthcare, Cashless Hospitalization, Health and Wellness Benefits are also a part of the insurance plans covering your valuables.
Goods to be Protected
Protecting your goods should be an easy fix to keep them close to your heart and prevent any damage. Out-of-pocket expenses can easily be handled with the help of insurance! Prompt repairs covered by insurance can help extend the life of your furniture and maintain its appearance. Even if you don’t own the property, you can still protect your belongings with a contents-only policy. The following goods should be protected when going for removal insurance
- Furniture: Wood, steel, plastic, and aluminum furniture should be covered.
- Appliances: Refrigerators, washing machines, TVs, etc., are typically covered.
- Household Items: This includes general kitchen and housewa
- Fragile items: Ensure glassware, china, and other delicate items are covered.
- High-Value Items: Artwork, antique furniture, and expensive electronics may require specific valuation and separate coverage, beyond basic liability, to ensure full protection.
- Precision Equipment: Medical, biomedical, and other precision equipment may require specialized handling and insurance coverage due to their delicate nature and value.
Types of Insurance
Contents insurance
Important for protecting your belongings when in your home, we strongly recommend that you organise home and contents insurance before you move so you are covered the moment you step through the door of your new place.
Removalist insurance
Professional removal companies will often offer some form of moving insurance, but you may wish to take out your own removalist insurance to ensure you are covered for any situations that are not taken care of by the policy held by the removal company.
Standalone transit or moving insurance
A general insurance company will offer transit insurance as a standalone product, which you can purchase separately from your contract with the removal company. This may be used in cases where storage insurance is also required.
Conclusion
In summary, furniture insurance as part of a broader home contents policy is a valuable investment that protects your possessions from a wide range of perils, provides financial security, and offers peace of mind. Singh Movers and Packers are here to guide you through the process and have minimal hassle during the whole procedure.
Frequently Asked Questions
Does my home contents insurance cover me for moving house?
It is quite rare for a home and contents insurance policy to also include moving insurance. We recommend you confirm whether your policy is with your insurance provider before taking out a removal insurance policy.
What is covered by my removal company’s insurance?
Your removal company will offer a level of insurance that will cover certain situations; however, this will likely be a restricted cover that may prompt you to take out an additional policy for full protection. You will need to read the product disclosure statement to determine if the level of cover offered is sufficient.
When is loss or damage not the removalist’s fault?
Accidents can happen during professional moves, and the following situations would not be classified as the removal company’s fault. If an item is broken on arrival after being secured correctly in the truck.In cases where an item is lost or stolen during unloading or while in storage.If there is an accident that is not the driver’s fault. Unpredictable weather can cause fires or floods.
Where can I get removalist insurance?
You can get removalist insurance from your insurance provider or directly from the removalist company. When moving house, it is important to discuss the need for this to prevent damage from unforeseen circumstances.
Can I report damages to the Australian Furniture Removers Association?
If there is an issue during a move, you do have certain protections under the Australian Consumer Law. Furniture removalists are required to meet certain standards set by the Australian Furniture Removers Association, and you can submit a report to this organisation for investigation should an issue occur.
