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A Guide To Goods In Transit Insurance

Katie Cullen
Written by Katie Cullen
15th March 2017 (Last updated on Wednesday 27th February 2019)

At Compare My Move, we pride ourselves on delivering the best house removals experience through our professional moving partners. Every removal company that joins our partner network must be able to provide Goods in Transit insurance for our users and their customers.

Hiring a removal company with this insurance covers you from any damages or losses that might occur during your move.

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This article will cover the following points

What is Goods in Transit Insurance? Why Do You Need Goods in Transit Insurance? What is Covered During Your House Removal? How to Dispute Damages Using a Removal Company Without Goods in Transit Insurance

What is Goods in Transit Insurance?

Goods in Transit insurance is taken out by your removal company and covers any damages, losses, or theft during your move.

Goods in Transit insurance will protect your belongings from:

  • Theft while in transit.
  • Damage caused by accidents during transit.
  • Loss during transit.
  • Damage caused during transit.
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Why Do You Need Goods in Transit Insurance?

In most scenarios, you will not need to claim. Hiring a removal company with this insurance will cover you up to as much as £50,000 (depending on your chosen company) for any damages.

While we maintain that our removal companies take the utmost care when transporting your belongings, having this insurance helps put your mind at ease.

Before working with a removal company, check their insurance policies to find out how you will be covered for any damages during your move.

What is Covered During Your House Removal?

Many of our removal companies offer varying levels of cover for your move. While we require removal companies to offer Goods in Transit insurance for their customers, it is always good to check the level of cover with your house removal company.

Please be aware, you will not be covered for Goods in Transit Insurance if you pack your belongings yourself. Your removal company must have packed your belongings in order to be covered by this insurance.

Our partner’s insurance policy will also have a limit on the value of goods they cover. The majority of our partners have a maximum cover of £10,000 per vehicle, while others may offer coverage of up to £50,000.

Although your mover’s insurance should easily cover you in case of damages, it is worth checking policies beforehand if you are transporting highly valuable goods during your move.

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How to Dispute Damages

If you find any damages from your move, get in contact with your chosen removal company as soon as possible, remembering to take pictures of the belongings.

Once your company has been informed of any breakages, they will report the incident to their insurance company. The insurance company will then decide whether the damages fall in line with the company’s policy and will give a verdict, usually within 30 days of the claim.

Failing that, take a look at our guide on how to dispute removal company damages for more information.

Our verification team constantly review the performance of our partnered removal companies. Get in contact with the team via our contact page if you have had any issues with your removal company. We strive to work with only the best removal companies in the UK and will act against those that do not meet the high standards of our code of practice.

Using a Removal Company Without Goods in Transit Insurance

Working with an uninsured removal company will mean that none of your belongings will be covered while they are in transit. Some home contents insurance policies may cover moving house, but this is by no means standard.

Using a company with the required insurance means that your belongings are all covered, from losing items to damaging furniture during transit.