5 Insurance Tips For Moving House - Cover Yourself Without Doubling Up
If you're planning to move your house or move your belongings to self storage, it is crucial to make sure your insurance policy will cover every eventuality that could occur during the relocation.
Even if you currently have an insurance contract that covers the contents of your home however, there are different rules that could apply when you are planning to have your belongings relocated. This is why you should always consult with your insurance company a few weeks prior to your planned move to modify your plans and also pay any additional costs that may be required.
Here's a five-point checklist that you can follow to ensure that you have the right insurance coverage and minimize the risk of claiming.
Contact your insurance company at minimum two weeks before your move, and inform them of the full circumstances. The cost of insurance is usually dependent on the postcode. Therefore, your insurance premium could be affected if moving to a new suburb. Tap on here for all the information related to Furniture removalists geelong.
Contact your removalist firm to find out if they provide any insurance coverage for the items you want to protect. Sometimes, the quote may include an insurance fee for the removal. If that is the case be sure to inform your insurance company of the circumstance and find out if you could reduce the amount of the cost of your insurance. In this way, you can be able to avoid double payment of premiums, and confusion over the best place to file a claim should one arise.
If the removalist you hire offers Comprehensive Transit Insurance make sure the amount covered by the policy is enough to cover the costs of your possessions. Certain policies are restricted to $100,000 and do not be able to cover the value of your possessions. Be sure to know the coverage's limits and the circumstances in which claims will be accepted.
If you're including your vehicle as part of the move, be sure your car insurance company is informed to allow any changes to your policy in line with your contents insurance. Your removalist may also have included a cost for car insurance in the estimate. Therefore, it is essential to ensure you are aware of the conditionsand make sure you are covered in full. Even if the policy claims that you are covered completely make sure you know the definition of full coverage prior to taking the decision to accept the policy. Go to this link to get all the information related to Whittlesea furniture removalists: https://airesrelocations.com.au/whittlesea-removalists/
Check that your removalist is covered with adequate workers ' compensation insurance. Also, make sure make sure you consult with your insurance provider to avoid conflicts of insurance coverage. The public liability insurance offered by your contents and home insurance policy might overlap with certain elements of the workers compensation insurance that your removalist offers. Be sure that you're not taking on a double risk when it comes to the cost of the insurance.
Naturally, even if are confident that your insurance policy is up-to-date and can cover every eventuality, you must ensure that all your items are properly packed in order to avoid making an insurance claim in the first place.
If you choose to use top-quality double-layered cardboard boxes which are sealed properly and labeled and follow the packing guidelines to prevent breaks, you'll not have to file an claim and will allow your move to self-storage a breeze.