Insurance FAQ's

To assist you, we have prepared some frequently asked questions and answers. This is general advice and we recommend you read the information to enable you to make an informed decision. Please ask our accredited estimator to clarify any questions you may have.

• Does my Home and Contents Insurance cover my goods while in store?
  Each insurance company has different terms and conditions attached to their policies. It is best to contact your insurance company and find out whether your policy covers for removals and/or storage. If storing with us, make sure your household insurance company is aware how your goods will be stored - either in our warehouse in modules or in a container stored on our hardstand area in our storage complex. Alternately, we can arrange a competitive Customers Goods in Transit and Storage Insurance quote for you with a policy that specifically covers Goods in Transit as well as Goods in storage. Just contact our office for details.
• Do I need to insure everything?
  That is up to you. If an item is not on the Insurance Declaration which you fill in when you choose to cover your goods under the Customer Goods in Transit policy, then that item will not be covered for the full replacement value.
• How much should I value my goods for?
  If you choose specialized Customer Goods in Transit Cover, you nominate the value of each item you wish to insure up to the ‘new replacement’ of that item. There can be a mix of values - eg you may have bought a new TV for $3000 a year ago and want to have a similar value if damage occurred and the TV needed to be replaced. You may also have a fridge that is 5 years old that you know is worth around $200 now but if you were to replace it with a similar make and new model - you would be spending $2000. You may wish to write down $1000 which will be the cap that would be paid for that item. Whatever value you write down on the insurance declaration and pay a premium for will become the means of assessment in the case of irreparable damage and the item having to be replaced.
• How will I know what I am covered for?
  The Product Disclosure Statement (PDS) summarises what the policy covers, the various cover options available to you and what it does not cover.
• I have to put my goods into storage - do I have to take out separate insurance for that?
  Storage Insurance for your goods can be arranged as an extension to the Customers Goods in Transit Insurance
• Is taking Insurance a good idea then?
  This is up to you, but we strongly suggest that you consider it, as your goods will be exposed to a higher risk of loss/damage than when they are inside the home.
• Really, “it's not likely there will be any damage or loss to my goods is it”
  Despite all the care that we can take, accidents can still happen and some things are outside our control. We will endeavour to ensure there is no loss or damage, but we cannot predict what is going to happen tomorrow just as much as you can't.
  
  There are so many unforeseen variables with a removal, and we cater and cover for as many as we can but there is always risk involved. Because of the nature of the business, we do recommend you take out insurance so you can be assured you will get the full value of the item in the case of something untoward or unpredictable happening no matter how careful our removalists are.
• Someone told me that I would not be able to take out insurance if I pack the boxes myself, is that true?
  If you take out the Customers Goods in Transit Insurance, the boxes you pack yourself will be covered to a maximum of $500, unless you provide a specified listing and value of what is in the owner packed boxes and insure them for that value. Please consult the Product Disclosure Statement (PDS) for a full description of cover for Owner Packed boxes
• The removalist should have insurance to cover goods while in transit. Why do I need to insure my goods as well?
  We do carry our own Carriers Liability Goods in Transit Insurance, which covers us against loss or damage to the goods we carry, for the 'market value' of the item. In the case of irreparable damage, our Insurer will consult the likes of Marketplace and eBay whilst taking into account depreciation for the age, condition, wear and tear of the item and this can often be a lesser value than someone feels the item is worth. Some Removalists may tell you that your goods are covered under their policy, which is not the case. What is often not disclosed by Removalists is the Market Value position and that these policies will only respond to the depreciated value and not ‘new for old’. The extra Customers Goods in Transit Insurance cover that we offer is specifically designed on a ‘new for old’ basis that many people moving want to be covered for. It is an extra cover that must be taken out by the client where they value their goods rather than relying on market value determined by an insurance company.
• Valuable Items:
  If you have any Valuable items, as referenced on the Insurance Declaration, you will need to specify the item/s accordingly and nominate a maximum value to them. Simply fill in the Insurance Declaration Form, along with the quotation acceptance form when booking with us.
  
  Jewellery and cash are not able to be Insured, or carried by us under the Carriers Legal Liability policy and also the Customer Goods in Transit policy. Cash and jewellery need to be transported by the owner of the goods.
• What experience do you have in insurance?
  Our authorised employees have undertaken and passed the AFRA approved training module.
  
  Our appointed Insurance Brokers, Cowden Insurance Brokers, are removal insurance specialists.
  
  We cannot advise you about your personal situation. Please read the Quotation for Removals and Storage Removal contract and the Product Disclosure Statement (PDS). Once you have read these, please feel free to call us to discuss your options.
• What is the Insurance cover that we offer?
  This specialized Customers Goods in Transit policy coverage is for those who want ‘new for old’ cover over their goods in transit in the case of irreparable damage occurring to an item. With this cover, the owner of the goods nominates the value of the item to be insured on the Insurance Declaration and pays an insurance premium on that ‘declared’ amount.  That declared value then becomes the reference and maximum value for assessment if a claim is made.
  
  For example - You have a TV you bought for $3,000 a year ago. You declare the value to be $3000 on the Insurance Declaration Form. In the case of loss or damage 'beyond repair', you will receive up to $3,000 for a brand new TV of the same make and model. This is in comparison to the Carriers Liability Goods In Transit Insurance policies where the payout would only be the depreciated or ‘Marketplace’ value. This is generally much less than the new price and determined by the insurance company.
• Will and Excess amount be deducted from the amount that I am paid in the event of a claim?
  Yes, the Customer Goods in Transit and Storage Insurance does have an excess of $500 which is set out in the Product Disclosure Statement and will clearly be shown in the Insurance Certificate that you will be issued with, should you take up the Insurance policy offered by us