Why consider insurance when moving?
According to statistics, some form of property damage occurs in 7% of moves. The most common are:
- Abrasions and scratches on furniture (45% of cases)
- Broken glass and ceramics (30%)
- Damage to electronics (15%)
- Loss of items (10%)
3 Types of insurance coverage for moving
1. Basic insurance (usually included in the price)
- Covers basic damages during transport
- Limits approx. 10-20€/kg
- Does not include fragile goods
2. Extended insurance (from +5% to the moving price)
- Covers most common damages
- Usually limit 50-100€/kg
- Often also includes electronics
3. Comprehensive insurance (from +10% to the price)
- Full coverage including fragile items
- No kg limit
- Replacement with a new item in case of serious damage
How to proceed in the event of an insurance claim?
- Immediately document the damage (photo, video)
- Get confirmation from the moving company of receipt of cargo
- Report damage within 24h insurance company and moving company
- List a detailed list of damaged items with a price estimate
- Keep damaged items for investigation purposes
5 Tips for Better Insurance Terms
- Request photo documentation of the cargo before moving
- Special packing for valuables (certified transport boxes)
- Insure art objects and jewelry separately
- Check the exclusions in the insurance policy (often: money, precious metals)
- Arrange insurance at least 3 days before moving
Our insurance policy
All of our moving services include basic insurance up to €50,000. We also offer extended options:
- Basic insurance: 0.5% of the cargo value (min. 20€)
- Complete insurance: 1.5% of the cargo value (coverage up to €100,000)
Frequently asked questions about moving insurance
1. Is insurance valid if I pack the items myself?
Yes, but only if they were correctly packed (according to the insurance company's rules).
2. How is the cost of freight calculated?
Based on the market value of the items at the time of moving, not according to the original purchase price.
3. What if I am moving antiques?
We recommend special insurance with an expert appraisal.
Conclusion
Moving insurance can save you thousands of euros. When choosing a moving company, always check:
- Scope of insurance coverage
- Limit amount per item
- What exactly is excluded from the insurance
Do you need advice on insuring your cargo? Contact us at order form or by phone +421 904 978 888
