When it comes to seeking furniture removal services, there are a number of things that you should have on your check list. These include: ensuring your mark all your boxes, making sure your have enough packing materials beforehand, and confirming removal times with your removalist. However, these aside, another very important item that should be on your list is insurance. Read on to see why.
Why is insurance important during furniture removals?
Insurance is vital during removals, as it acts as a safeguard should anything happen to your property. If the vehicle transporting your goods was to hit another car, roll or fall into ditch, some of your property could get damaged. This is where insurance comes in; you get compensated for any losses incurred during the process.
Who provides insurance during a furniture removal?
During a removal, you can get transit insurance from your removalist or from an independent insurance company. However, note that most removalists have insurance policies that cover their business from loss and liability, not the customer. Although this still works, it's not the same as you getting directly insured. For example, members of AFRA (Australian Furniture Removals Association) offer direct insurance to their clients during removals.
What does furniture insurance involve?
When seeking insurance from a removalist, you will be required to fill a form that details your items and their respective values. You will then be required to sign these forms, plus documentation indicating the terms of the cover. You should then send the forms to your insurer and then pay the calculated premium fee. Note that you are not insured until you pay the premium amount.
An assessor may then be dispatched to your premises to confirm the provided inventory and costing.
There are different types of removal insurance covers available. Some cover your goods only during transit. Others are more comprehensive and cover your goods from the moment they are being packed up until they are unpacked on the other end of the journey.
What happens if goods are damaged during the removal?
If your goods are damaged during the removal process, you are required to initiate a claim with your insurer (removalist or insurance company). In the claim form, you will detail which items were damaged, their value, and the nature of the damage, among other details. The insurer will then investigate the accuracy of these details. If your claim is approved, you will be compensated with a replacement item or a cash equivalent.
So, planning a furniture removal? Talk to your removalist about insurance and safeguard your valuables!
Share26 October 2015
The kitchen is the most used room in my home, and in the past, I found it could get messy and chaotic very quickly. Trying to cook dinner when you can't find an essential appliance or see past the clutter on the counter is no fun. I realised I enjoyed my time in the kitchen more and was more productive when my kitchen was organised and laid out in a way that optimised functionality. I changed my kitchen cleaning and organising routine, decluttered, got rid of appliances I don't use and moved things around to ensure frequently used items were easy to reach. I started this blog to share my tips for creating a kitchen that's enjoyable to use, and I post about ways you can optimise the space you have. I hope you find my posts useful.
