Insurance Options

Insurance Options

Insurance Options

Insurance Options explained

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Insurance options explained.  Fill out this form and one of our dedicated move coordinators will be in touch.
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    Insights from a Moving Industry Expert – James Sanders


    When planning a residential removal in the UK, one aspect that should never be overlooked is insurance. With over 35 years of experience in the moving industry, I’ve witnessed countless moves, and I understand the importance of protecting your belongings during transit. Whether you’re relocating to the scenic town of Cannock, the historic city of Lichfield, the tranquil town of Stafford, or the bustling city of Birmingham, it’s essential to explore your insurance options for residential removals. In this article, I’ll provide insights into the various insurance options available and how to choose the right one for your move.

    Why Insurance Matters


    Before delving into the types of insurance available, let’s understand why insurance is vital for residential removals:

    Protection against Damage

    Despite the best efforts of professional removal companies like Cannock Removals, Lichfield Removals, Stafford Removals, and Birmingham Removals, accidents can happen. Insurance provides financial protection against damage to your belongings during the move

    Peace of Mind

    Knowing that your possessions are insured can offer peace of mind during a potentially stressful time. You can focus on other aspects of the move without worrying about the safety of your items.

    Compliance with Regulations

    Some removal companies may require customers to have insurance to comply with industry regulations and standards.

    Types of Insurance Coverage


    When it comes to insurance for residential removals, you have several options to consider:

    Coverage

    Full Replacement Value Insurance provides coverage for the full replacement cost of damaged or lost items. It ensures that you’ll receive the equivalent value of your items at their current market price if they are damaged or lost during the move.

    Benefits

    This is the most comprehensive and protective type of insurance available. It offers peace of mind and full compensation in case of damage or loss.

    Considerations

    While it offers extensive coverage, Full Replacement Value Insurance is typically more expensive than other options.

    Coverage

    Standard Liability Coverage, often included by default with many removal companies, provides coverage based on the weight of your belongings, known as the per-pound or per-kilogram value.

    Benefits

    It offers a basic level of protection at no additional cost. This coverage is suitable for those who have fewer valuable items to transport.

    Considerations

    Standard Liability Coverage may not adequately cover the full value of your belongings, especially if you have valuable items or high-value collections.

    Coverage

    Third-Party Insurance is an option to purchase insurance coverage through an independent insurance provider rather than the removal company.

    Benefits

    It provides flexibility in choosing the level of coverage that suits your needs and can be more cost-effective compared to the removal company’s insurance options.

    Considerations

    Ensure that the third-party insurance provider is reputable and that the policy aligns with your specific requirements.

    Factors to Consider When Choosing Insurance


    Choosing the right insurance coverage for your residential removal involves considering various factors:

    Item Valuables

    Take an inventory of your belongings and assess their value. If you have high-value items, artwork, or collections, Full Replacement Value Insurance may be more appropriate.

    Total Value

    Calculate the total value of your possessions to determine the level of coverage you need.

    Included Coverage

    Inquire about the insurance coverage provided by your chosen removal company. Some companies may offer varying levels of coverage as part of their services.

    Additional Options

    Ask about the availability of additional insurance options and their costs.

    Cost of Insurance

    Consider your budget and how much you are willing to allocate to insurance. Keep in mind that the cost of insurance may vary depending on the coverage level.

    Distance

    The distance of your move can impact the risk of damage or loss. Longer-distance moves may warrant more comprehensive coverage.

    Transportation Method

    Consider the mode of transportation. If your belongings will be transported via multiple modes (e.g., truck and ship), ensure the insurance covers all phases of the move.

    Read the Fine Print

    Carefully review the terms and conditions of the insurance policy, including coverage limits, deductibles, and any exclusions.

    Claims Process

    Understand the claims process, including how to file a claim and the timeline for doing so.

    Excellent
    Based on 42 reviews
    Ruth Knott
    Ruth Knott
    2023-12-19
    Amazing service!! Without James and his team, my move probably wouldn't have happened. They got me out of a tight spot at really short notice thanks to solicitors not exchanging contracts until 4 days before my move Extremely professional set up from the minute they arrived, throughout the whole day up until they left. They took great care with my furniture and other possessions and so skilled In getting everything into my brand new build property without causing any damage. I would recommend them in a heartbeat to anyone needed a professional, reliable and caring removals firm at a very reasonable price. For anyone moving in and around Staffordshire Moving Circles are the 👌
    Jenny Summerfield
    Jenny Summerfield
    2023-12-09
    James and the team were amazing. Moving house is really stressful but everyone worked really well together and has us packed up, moved in to our new home without a hitch.
    Darren Powell
    Darren Powell
    2023-09-04
    Couldn’t fault the service provided by Moving Circle Removals. We couldn’t be happier with the communication and value for money for a move of some distance. Thankyou
    Nicola Appaji
    Nicola Appaji
    2023-09-01
    A Professional Company with very friendly staff. They were good value and very responsive throughout the move. They helped us out when we needed a backup removal company quickly on a Bank holiday. I would recommend them to everyone they were amazing helped us feel relaxed on our moving day.
    Hannah Grant
    Hannah Grant
    2023-08-26
    Absolutely fantastic service! Had a solicitor nightmare in the morning and the guys just took it in their stride. Amazing professional service from start to finish. Would highly recommend!
    Mike Soles
    Mike Soles
    2023-08-14
    James and Tommy helped us from booking , quoting, packing moving and storage . Their service was friendly, professional,& very helpful. Nothing was too much trouble , even down to providing storage for excess items! Moving circles was recommended to us by a friend , and I wouldn’t hesitate to recommend them to others ! Thank you guys !
    Paul Ryan
    Paul Ryan
    2023-06-11
    Nice team and very accommodating, great job.
    Susie Perry
    Susie Perry
    2023-06-02
    I used moving circles removals quite recently and I must say what a pleasure it was, the lads were great , very professional, very helpful. The move was very smooth! I would definitely recommend them to anyone who is moving house soon. Thank you guys for helping me out 😊👍🏻
    Kimberley Greenwood
    Kimberley Greenwood
    2023-05-29
    James & team recently helped us move house - we cannot fault the service and would highly recommend. James was really professional from the outset and also very flexible when our completion date kept moving around (unlike many other removal companies). The team that turned up on the day to support the move was also great - efficient and worked really hard throughout the move day. Moving Circles was also highly competitive in their pricing. Thank you Moving Circles - would definitely work with your team again in future!
    Angela Jones
    Angela Jones
    2023-04-06
    We used Moving CIrcles for our recent move and I am so glad that we did . From the very first consultation right through to the actual move, I cannot fault the service that we received. The guys that did the move were very friendly and professional throughout, nothing was damaged and everything was put where we asked. I would highly recommend James and the team who certainly went above and beyond to ensure a smooth move. Thank you so much.
    How much do movers cost for a two bedroom apartment uk?

    How much does a removal service cost when moving flat? On average, the removal cost for a 2 bedroom flat will usually cost somewhere in the range of £315 and £500, plus VAT.

    How much do you tip movers?

    A good rule is to give £20-£25 to each person from the moving team for a half-day. If they have been working for the entire day, it might be reasonable to give them £40 to £50 for their efforts. A little extra would be nice if they have been taking heavy items up and down the stairs.

    What is the most expensive day to Move?

    Tuesday is the most expensive day to move house. If you're choosing your moving date primarily for financial reasons, then Sunday is the best day to move house for you. Book your removal company in advance and compare removal companies to ensure you're getting the best possible deal for your removal costs.