Insurance Cover

We know that it is important to be up-front and transparent about insurance cover and we are happy to answer any question you may have.

Frequently Asked Questions

What insurance cover is in place?

Whilst in our care your furniture and possessions are covered up to £100,000 standard cover for goods in transit and goods in storage and your buildings and property are covered for up to £2,000,000 with our public liability cover whilst our staff and vehicles are working on your premises.

Is insurance optional?

Yes, home movers can use their own household cover although it is advisable to check that cover is in place with your home contents insurer.

What is the cost of insurance cover?

Our insurance cover is 12.5% of the removal or storage cost plus Insurance Premium Tax, up to a total insured value of £50,000.

How is Insurance Premium Tax calculated?

Insurance Premium Tax is chargeable at 6% of the total insurance premium.

Can I increase the level of cover?

Yes, the insurance can be increased to the value of £250,000 for an additional premium of 0.15% of the value of cover required over £50,000. For example, cover for £100,000 would cost an additional £75.00.

Household Removals and Transit Limits

Customers Property Open Cover

£50,000 any one customer/any one job unless an increased figure is agreed by Underwriters and confirmed in writing.

£250,000 any one vehicle

Increased Customer Limits

Where an increased customer limit is required an additional premium is payable on the value declared in excess of the customer limit. The rates applicable to the excess value for household removals and storage are detailed below.

0.15% each transit in the United Kingdom

0.25% each transit to or from Northern Ireland, the Channel Islands, the Isle of Man, European Union Countries, Norway and Switzerland

Office/Commercial Removals

Customers Property Open Cover
Limit any one vehicle£100,000
Limit any one loss£250,000

Storage Limits

Customers Property Open Cover
LocationAny One Loss
(a) 2 Glenburn Road, College Milton North, G74 5BA£250,000
(b) 321 Aitkenhead Road, Glasgow, G42 0PE£250,000
Any other Location£75,000

Overseas Standard Rates

UK To or FromSeaAir
Europe1.00%0.80%
USA, Canada, South Africa, Far East and Australasia1.50%1.20%
Rest of the World2.25%1.80%

N.B.: Rest of the World excludes Afghanistan, Angola, Cuba, Ethiopia, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, Nicaragua, Nigeria, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Uganda, Zimbabwe and Countries comprised by the former territories of USSR and/or Republic of Serbia and any other country where their local legislation decrees insurance must be effected locally, unless specially declared and accepted by Underwriters prior to shipment.

Limits of Indemnity

Employers Liability£10,000,000
Public Liability£2,000,000
Products Liability£2,000,000

Further Insurance Cover Details

Our staff would be delighted to send you a personalised quote for your removal