Why You Need A Removal Insurance

Why You Need A Removal Insurance For Your Big Move

Relocating to a new place involves a lot of processes, most of which require spending money. To cut down costs, some people move their valuables without insurance. Not to be a Negative Nancy, but anything can happen from when your box is being placed in the truck to when it reaches your new home.

In this article, you will learn all about removal insurance, including how it works and the benefits of doing one. We would also throw in a few removal insurance companies around your area to get you started.

So, What Is Removal Insurance All About?

Some people believe that if you hire a professional removal company, they are responsible for damages and property loss. Others believe that their old or new home insurance policy would cover the move.

Unfortunately, this is not usually true. Sadly, removal companies only insure their vehicles and drivers (except for a few that offer removal insurance features). And home insurance companies only insure the home, not even the house’s occupants.

This is why you need removal insurance for your big move. They cover accidental damages or loss of belongings, whether you are moving within a kilometre or from one city to another.

With removal insurance, you can rest assured that you won’t be left solely responsible for damages/loss without any compensation.

How Does It Work?

Usually, people who are relocating obtain removal insurance services from their removal companies. In Australia, AFRA (the Australian Furniture Removals Association) offers removal insurance services to removal companies as long as they are registered as a member.

Removal companies register under this association, obtain a certificate, and are covered to run insurance services for their clients. If you are in Australia, you can access removal companies with insurance services through the AFRA’s website.

Nevertheless, before choosing the moving company you want to work with, read through their website to know what services they offer and what you are paying for.

If one company doesn’t suit you or you feel that they don’t offer the best services, feel free to check another company until you have made your choice. Then you can go ahead to choose a quote (plan) and pay. You can also get free moving estimates to have an idea of the costs involved.

Some of the things that you need to look out for when choosing a removal insurance company include the following:

  • Public Liability Insurance: It is designed to cover any claim or legal costs if a business activity should injure a citizen/ member of the public or their property. With regards to removal companies, it provides cover in case any property gets damaged in the course of the move. It also covers you (and any other of your family members involved in the move) in the case of unexpected accidents.
  • Professional Insurance for Breakages: This basically covers damages to all personal items in the moving truck/van.

Buy it if you are not offered any removal insurance

In some situations, the removal companies around your area do not offer insurance services, or the one you have already paid for does not grant you the luxury of insuring your properties. In this case, all hope is not lost. You can access a removal insurance company directly without the help of your removal company.

To do this, visit the website of removal insurance companies in your area and select a quote directly. Some of Australia’s popular removal insurance companies include Bizsure Public Liability Insurance Company, Carts, Transit Insurance, Removals, and Storage Insurance. Always make sure to make enough insurance company findings before signing up.

Benefits of Removal Insurance 

The major benefit of having removal insurance is that you don’t have to worry about a thing while moving. Of course, they won’t be reckless with your things (you know how insurance companies are), but you would be relieved to know that your valuables are safe and insured.

Besides, it’s nice to know a good insurance company covers you in the case of long-distance moves and unforeseen accidents.


As promised, we have been able to show you why you need removal insurance for your big move. The article also explains how removal insurance works, what you need to look out for before paying for a quote, and the benefits of having removal insurance. Now you can go ahead to choose from the companies above and start your relocation process.