Moving Overseas | What insurance do I need?
It is always recommended that you insure your shipment(s), but the reality is that you need to consider the value of the goods, the cost of insurance, the risk involved, and any excess charges or restrictions that might apply.
For household and personal effects, there are several important factors to consider:
How well are the goods packed?
If you pack any furniture and/or white goods, then wherever possible, you should repack the goods into their original packaging. but, if you are like most people, you wont have kept any of that. So, you have to consider how best to package anything you wish to send. You should always have a good supply of cartons for things like kitchenware, clothes and books. Mark all cartons with a general description of what they contain.
This may be useful for if the goods are checked or inspected at destination, or at least for your own personal uses. You should also have a good supply of bubble wrap, packing tape, packaging materials, blankets, sheets and so on.
Anything that needs packing and protection should receive your best attention and efforts.
This would be for all furniture and white goods. All items need excessive packing and protection. Your furniture and other valuable items can be well protected from similar items with sheets and blankets.
Bear in mind that however you pack your own container, all of your items need to be tightly secured. Containers have a number of “tie down” points for you to secure your furniture and other items, but you will need your own blankets, sheets, pillows and the like for added protection and to protect your items from any movement or rubbing other items, or even from movement within the container.
Remember that vessels will encounter storms and rough seas, and swells of up to 20 meters are not uncommon.
Just remember that the goods inside a container on board a vessel that encounters such swells will be subject to severe stress and movement.
It is imperative that all items are tightly packed and secured to prevent damage.
It is recommended that you use a professional service to remove the goods from your house to bring the goods to our nominated container depots in each main port city, and that these professionals then transload the items from their van into the container for shipping.
Whilst a removalist may use their own blankets and the like for the domestic movement, they will not use this same packaging for export – simply they will not get their blankets back – so, it is imperative that you provide enough blankets, sheets, pillows and the like for these to be used when packing your container.
You then have to decide whether or not you want to go to the expense of insuring your goods.
There are advantages to you arranging this.
The main one being peace of mind – at least you can sleep at night knowing that this is covered.
But, firstly you have to consider a fair value.
Consider that if you had a total loss, how much would it cost you to replace the goods?
Some items may be sentimental, or even some furniture “irreplaceable”, but in these cases you need to be practical. A formal valuation is always good, and you should keep a copy of this handy just in case.
Insurance companies will not pay you just any old amount, or cover you for surface damage that may or may not have occurred in transit.
If you use a professional removalist service from your house until the goods are secured into your container, then you will need to be able to provide a receipt for their services.
In which case, you will be able to claim insurance for professionally handled and packed goods. This will cover you from door to door including total loss of the container.
Unlike anything you pack yourself, which would have a limited cover.
Insurance is NOT included in our services unless specifically requested and paid for.
Please do not come back to us with complaints of furniture being scratched, mirrors broken and the like. Any and all claims will ONLY be assessed and settled by a formal insurance company.
We can provide insurance coverage if requested, but generally it is better value for you to arrange this as a separate cover.
Some of the outside parties we know of are:
Milne Alexander – they are brokers and handle insurance for a company called ‘Vero’ – their phone number is 02 8297 4948
Click Here for a Vero Brochure
We also use a commercial freight insurer from Melbourne – please call us for details.
Please note that none of these are recommendations from us. You should always seek advice separately and ensure that any insurance covers your requirements specifically.
Or, if you chose to pack the container yourself, then any insurance company would consider that the goods were NOT professionally packed, and charge you a higher premium…
It is up to you!