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Moving Home Company

0208 305 2121

Insurance Proposal Form

All Risks Insurance Protection for your Household Goods, Personal Effects and Automobiles Moving by Land, Sea or Air.

Important Customer Information:

Please read the following pages before completing the accompanying Insurance Proposal form and signing below.

Why purchase Transit Insurance?

Whilst great care is taken during the removal of your goods, there are many risks of loss or damage, which are beyond the Movers control. The Mover’s liability for loss or damage is limited by their standard contract terms and conditions, which are incorporated into all removal, storage and shipping contracts. For these reasons, you are strongly advised to take out an All Risks insurance policy to protect you from the many risks to which your goods will be exposed during removal, storage and transit.

If you do not take out adequate insurance, your recourse against the Mover and subsequent carriers or parties for loss or damage, if they are liable, may be limited. Other parties involved may include, for example, the shipping company or airline, other transport operators, the Port Authority and so on. These parties operate under separate contract conditions, or under international law or Conventions that may limit or exclude their liability.

When shipping by sea freight, all parties on-board the vessel share in the risks of the ‘adventure’. If a vessel and/or some containers are damaged but yours are not, there is a strong possibility you would still need to pay a security before you could have your goods released. Search “general average” to understand more about risk sharing. This is a complex legal environment and by purchasing insurance, we provide you full cover for the goods and also the costs involved in general average and salvage

Even though every care will be taken by the Mover, you will appreciate that the distances involved, coupled with the rigors of an international transit, means that on occasions loss and/or damage to your goods may occur. You are therefore strongly recommended to take out insurance cover to ensure that you are duly compensated for any loss which may occur. Please note that the policy is not new for old and will be looked at based on 2 nd hand values, repairs and damage allowance and also depreciation is taken into account.

How to Complete the Proposal Form

Please fill in all the relevant white boxes on the Proposal Form. The ‘Insured’ is the person proposing the insurance (i.e. your full name).. The ‘date packed’ is the date on which the removal work will commence. Indicate with a ‘tick’ in the boxes to signify ‘Owner Packed’ and/or ‘Professionally Packed’ as appropriate. Professionally packed means goods packed by the Mover whereas Owner Packed means goods packed by you or parties other than the Mover or his agent. Please tick the appropriate principle method of transport e.g. land, sea or air. Identify the name of the town or city that you are ‘Moving from’ and ‘Moving to’ and the destination Country.

Household goods and personal effects should be insured for the replacement cost in the country of destination

When listing the goods to be insured, you will need to have a reasonably good idea of the comparable cost of living in the country to which your goods are being shipped. List ALL goods and their value at destination on the proposal form. You may choose to attach your own detailed valued list, or attach additional pages if there is insufficient space on the form. Goods not declared and valued on the list are NOT insured.

Please note that if you do not insure your goods for their replacement value, you will be ‘under-insured’. In the event of a claim for loss or damage, under insurance may result in the Insurer applying ‘average’ when assessing a claim. This means, for example, that if an item were under-insured by 50%, the Insurers would only settle 50% of any repair cost. If that repair cost were higher than the declared value, subject to any payment by Insurers not exceeding the declared value of the item. Similarly, if the claim were for a shortage (lost item), settlement would be capped at that declared value.

Antiques, Fine Arts, Motor Vehicles, Motorcycles, Boats, Campers and Trailers should be valued at the market value at destination, i.e. the value for which the same, or similar items/vehicles could be purchased in an undamaged condition.

It is in your interest to provide as much detail as possible.

For example, if you have 10 chairs in the dining room valued at £100 each you should write:

QTY                   ARTICLE             VALUE

10                     Chairs                            £1,000

However, if 2 of the chairs are worth, for example £200 each, then you should list, and if possible identify them separately as follows:

QTY                   ARTICLE             VALUE

8                      Chairs (dining)                £  800

 2                     Chairs (carver)                 £  400

Once you have listed all items, total the values in each column to produce a grand total.

Please ensure that you sign the application form prior to returning this to us.