Why Removal Insurances are essential for your Move

Relocating brings about a sense of adventure and anticipation for a fresh start in your new home. It can also get expensive and stressful. So, the last thing you want to worry about is having to replace furniture, electrical devices, or appliances that get lost or damaged during their transport. This is why you might think about whether removals insurance would be a good option for guarding your finances from the expense of replacing your goods. 

Introduction to Removals Insurance

What is Removals Insurance  

Removal Companies in Johannesburg
Professionals handling items with care using quality moving boxes

Also known as “movers insurance,” a removal option is a form of coverage that protects your belongings when you move them from one property to another. When inquiring about this coverage from your insurance agent, you might find out that a premium will be added on, but the cost is not all that expensive. In fact, it is important to consider taking out a removals insurance policy, as it can provide reassurance and financial protection against any losses or damages that may occur during the process of moving.

The Importance of Protecting your Belongings During a Move

While some moving companies have their own goods in transit insurance that covers your belongings as they’re being transported, their policy may not cover the full value of your possessions. Therefore, you should get at least the major items appraised ahead of time to determine if you should take out a removals policy of your own. Furthermore, if the mover is not adequately insured, the customer may be liable for any legal costs that arise from a dispute.

Plus, if any goods become damaged or lost during the moving process, the customer may find themselves unable to claim back the cost of replacing them. Thus, having this coverage is vital to keep from incurring more expenses during your move.

Risks Involved in Moving without Insurance

Natural Disasters

Natural disasters can occur at any given moment. While logistics specialists do their best to prepare for storms and bad road conditions, sometimes, severe weather comes seemingly out of nowhere when the drivers are already on the road. This can greatly jeopardize the safe transport of your possessions, so having adequate removals coverage greatly helps in the event of having to replace anything that’s lost or damaged.

Accidental Damages

Damages while Moving
Damages to the items can occur during the moving process

Likewise, accidents happen, whether on the road or during the packing and unpacking of your belongings. As mentioned, the moving company may have this cost covered, but their policy still has limits to the amount that can be paid out. Consequently, your removals coverage can help fill that gap.

Delays and Mishandling

 Also, keep in mind that any of the previously mentioned factors or even a mechanical mishap can result in your cargo arriving late or being mishandled. While a reputable company would take ownership of this matter, you can avoid a gap in coverage by having your policy in place.

Benefits of Removals Insurance 

The benefits of removals insurance are numerous. It can provide financial protection in the event of damage to items, and provide peace of mind that your belongings are covered should anything happen. It is also useful to have removals insurance if you are moving goods across international borders, as it can provide additional coverage in the event of goods being detained or delayed.

Financial Protection

Without removal insurance, you might find yourself in dire straits financially. If any goods become damaged or lost during the moving process, you might be able to claim back the cost of replacing them. Furthermore, if the remover is not adequately insured, you may be liable for any legal costs that arise from a dispute.

Peace of Mind

Moving Success
Satisfied customers after a successful move

In addition to the financial aspect, you can let go of the major stress of worrying about the safe arrival of your items. Knowing that any gaps in coverage will be filled allows you to make this important transition from one location to the other more smoothly.

Access to Professional Claims Handling

Moreover, you would be able to work with a professional who’s specifically trained to handle claims. Most (if not all) insurance companies offer their clients access to a 24/7 hotline for filing claims, which would be assigned immediately to the adjuster. In many cases, the reimbursement for the loss is paid out within a day or two.

Customizable Coverage Options

An insurance agent can also customize your insurance to also cover any additional costs such as storage fees, hiring a van, and any additional labor required to complete the move in the event of any mishaps. This type of insurance policy can be tailored to suit the individual needs of the customer, with a range of options available to provide the right level of protection.


Overall, removals insurance is an essential consideration for anyone planning to move their belongings from one property to another. It can provide financial protection and peace of mind. Plus, it’s a worthwhile investment for anyone wanting to protect their goods during the moving process. By taking out a removals insurance policy, customers can be reassured that their belongings are covered should anything happen during the move. At Megashift, you can rely on our guarantee to ship your household items safely and promptly. Although we are licensed and insured, we welcome any of your questions about our coverage. Contact us today for an estimate and a consultation.

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