House moving insurance?

Hi

We've just bought our first property and will be doing the move ourselves for various reasons.

Is it possible to get insurance specifically to cover the process of moving?

I'm thinking of, for example, all our possessions being in the hire van / our cars and one of them being in an accident and damaging the goods.

Or next doors great dane deciding to run into us as we move the TV to the van.

Comments

  • Most reasonable Home Contents insurance includes your goods being in transit
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Most reasonable Home Contents insurance includes your goods being in transit

    Only whilst in transit with a professional removal company, very few if any will cover the OP moving herself in a hire van
  • dacouch wrote: »
    Only whilst in transit with a professional removal company, very few if any will cover the OP moving herself in a hire van

    Not from the policies Ive seen, Direct Line for example is:
    Household removals
    We will pay for loss of or damage to your contents by a cause listed under Section 2A Contents (and Section 2C Accidental Damage if shown in your schedule) while they are being permanently removed from your home to any other private property you are going to live in inside the British Isles, including while they are temporarily stored for up to 72 hours
    But not
    a) Loss of or damage to money.
    b) Loss of or damage to china, glass, earthenware or other fragile items.
    c) Loss of or damage to bicycles.
    d) Loss or damage caused by any paying guest or tenant.

    Nowhere is there comments on who's doing the removals.
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Aviva's does require it to be a professional removal company.

    "Household removals
    We will provide cover for loss of or damage to
    contents while being moved by professional
    furniture removers from the home to your
    new permanent home (including temporary
    storage in a furniture depository for up to
    seven days in a row) in the British Isles. "

    Admiral seem to totally exclude cover for removals.

    Halifax require a professional removal company.

    "27. Contents cover when you are moving home
    We will cover loss or damage to contents when
    you move home under Contents covers 1-11, and
    accidental damage if you have the Contents –
    accidental damage optional cover.
    • If caused during household removal by a
    professional removal contractor moving them from
    your home to another permanent home in the
    British Isles.
    • While they are being held in temporary storage by
    the removal firm for up to 72 hours.
    The most we will pay for any one event is up to 15%
    of the Contents limit shown in your policy schedule"

    I think you'll find Direct Line / Churchill are fairly unique in not requiring a professional removal company.
  • FlameCloud
    FlameCloud Posts: 1,952 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I'd like to see how they define a fragile item.
  • FlameCloud wrote: »
    I'd like to see how they define a fragile item.

    Its not a defined term in the policy so common understanding would apply

    It would almost certainly have to be inline with the other materials listed and so they'd struggle to exclude electronics other than possibly screens.


    AXA are interesting in that they EXCLUDE professional removals but not self done removals other than fragile items (with a longer list)
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