Financial help
For covered events, the insurer assesses the loss against the policy's valuation basis, limits and deductible.
Insurance Assistance for Relocation
Transit cover can pay for loss or damage from the events covered by the policy issued for your move. We help you understand the options, prepare an accurate inventory and declared values, check the policy before dispatch, and provide our moving records if you need to make a claim.
Ask about transit cover Call +91 94671 86002What Insurance Assistance Means
Your mover is not your insurer. Insurance is issued by an insurance company under its own policy wording. The insurer decides whether a risk is accepted and whether a claim is paid. As your mover, our role is practical help: explaining what to ask about, preparing the inventory and condition records the insurer may need, and helping you assemble the documents if something goes wrong.
Cover is optional for household goods. Whether a particular policy covers used household goods, which stages of the move it includes, and on what terms, depends on the insurer and the policy you choose.
What We Help With
- Understanding options: the difference between named-risk and broader cover, and the questions to ask an insurer.
- Inventory and values: an itemised list with condition notes, ready for you to set declared values.
- Checking the policy: the details to confirm on the policy before your goods leave.
- Claim records: our inventory, consignment note, condition notes and delivery records, supplied if you need to claim.
This applies to household, office, vehicle and storage moves, but one policy does not necessarily cover all of them. Each needs checking.
Why Consider Transit Cover
Careful packing and handling reduce risk, but they can't remove it. Road accidents, fire and theft can happen on any journey. Cover can help with the financial loss from the events the policy includes, on its terms.
Clear records
The inventory, declared values and delivery notes made for the policy also help settle any question with the mover.
Knowing where you stand
Reading the policy before the move tells you what is covered and what isn't, so you can check gaps before booking.
Named-Risk Cover and Broader Cover
Insurers use different names for their products, so go by the policy wording rather than the label.
| Type | What it usually covers | What to check |
|---|---|---|
| Named-risk (basic) cover | Only the events listed in the policy, such as fire, or an accident to the vehicle carrying the goods | The exact list of events, and whether partial damage or loss is covered, not just total loss |
| Broader ("all risks") cover | A wider range of physical loss or damage, subject to exclusions | The exclusions. Broader cover still has conditions, and it does not cover everything. |
| "Comprehensive" or "door to door" | These names alone do not identify every covered stage or exclusion. | When cover starts and ends, and whether packing, storage and redelivery are included |
What Transit Policies Commonly Exclude
Each policy has its own list of exclusions. These are common ones to look for:
- Delay: loss caused by goods arriving late, even if the cause of the delay is covered.
- Inadequate packing: damage caused by packing unsuitable for the journey. The wording varies; ask how it applies to self-packed cartons.
- Wear and existing faults: ordinary wear, existing defects, and mechanical or electrical breakdown not caused by an insured event.
- Minor scratches and dents: some policies exclude them, or treat them under the deductible.
- Storage outside the covered transit: goods held in storage at your request may not be covered unless agreed.
- Particular goods: cash, jewellery, documents and some high-value items are often excluded or limited.
Declared Value and Recording Your Items
The declared value is what you state your goods are worth. Ask the insurer how values should be set, because policies use different bases. Confirm the basis for declaring the goods’ value separately from how a covered loss will be assessed, which may involve repair cost or an agreed valuation basis.
- Declare honestly: under-declaring keeps the premium down, but it can reduce what is paid on a claim, depending on the policy.
- List high-value items separately: include the make, model and condition, and keep any bills.
- Photograph before packing: especially electronics, furniture and anything with existing marks.
A sample item record (illustrative)
| Field | Example entry |
|---|---|
| Item | LED TV, 55-inch |
| Make and model | As shown on the back panel |
| Condition before packing | Working; small scratch on the stand |
| Packed by | The moving crew, in the original box |
| Declared value and basis | The amount, on the basis the insurer has agreed |
| Evidence | Photos and the bill, if available |
Check the Policy Before Your Goods Move
A quote, proposal form, payment receipt or GST invoice is not proof that cover is in force. Make sure you receive the policy or certificate issued by the insurer, and check these details:
| Check | What to look for |
|---|---|
| Insurer and policy number | The insurer's name, and a policy or certificate number you can verify with the insurer directly |
| Who is insured | Your name, or whoever is entitled to claim |
| Goods covered | That used household goods are accepted, and that the description matches your inventory |
| Route and dates | The pickup and delivery addresses, and the travel dates |
| Stages covered | Packing, loading, transit, any storage, and unloading |
| Value and basis | The total sum insured, any per-item limits, and the valuation basis |
| Deductible and exclusions | What you pay on each claim, and what is not covered |
| Claims contact | Who to notify, how, and any time limits |
Verify the policy through the insurer's official contact details, not just a link or a copy from someone else.
Which Stages of the Move Are Covered
A move has several stages, and cover may not include them all. Check each one against the policy.
| Stage | Question for the insurer |
|---|---|
| Packing and loading | Does cover start when packing begins, or only once goods are loaded? |
| Main transit | Is the whole route covered, including stops? |
| Transfer or smaller vehicle | Is a planned transfer at a hub, or a last-mile vehicle, included? |
| Holding or storage | Are goods covered if delivery is delayed and they are stored, and for how long? |
| Redelivery and unloading | When does cover end: at arrival, or when unloading is complete? |
If plans change, for example a new delivery address, a later date or storage, ask the insurer before the change whether the policy still applies and whether written confirmation or an endorsement is needed.
How Insurance Assistance Works
Step 1: Survey
We record the volume of your goods, fragile and high-value items, and their condition.
Step 2: Options
We explain the kinds of cover and the questions to ask. You decide whether to take cover, and which policy.
Step 3: The policy
The insurer issues the policy or certificate. Check it against the list above before dispatch.
Step 4: Records
You get the signed inventory with condition notes and declared values, plus the consignment note.
Step 5: Claim support
If something goes wrong, we provide our moving records and help you put the claim together. The insurer decides the claim.
If Something Is Damaged or Missing
- At delivery: check the carton count and look for visible damage. Note any problem on the delivery receipt before signing. Signing a clean receipt may make a claim harder, so note what you can see.
- Photograph: take pictures of damaged cartons and items before unpacking further, and keep the packing material.
- Stay safe: don't use a damaged appliance or anything with broken glass.
- Report promptly: tell both the insurer and the mover. Follow the policy's notice steps and time limits.
- Send documents: the policy, inventory, consignment note, delivery receipt with notes, photos, bills or value evidence, and the claim form.
- Keep a record: note the date of each document sent and the claim reference. Respond to any request for more information.
The insurer assesses the claim under the policy's terms, including the valuation basis and deductible. The outcome and timing depend on the insurer and the claim.
The Mover's Responsibility and Insurance Are Separate
Insurance and the mover's responsibility are two different things. The mover is responsible for its work under the booking terms and the law, whether or not you take insurance. Cover applies under an insurer-issued contract. Check who is insured or entitled to claim, and how your consignment is included. Taking cover, or not taking it, does not change the mover's duty to handle your goods with care.
Self-Packed Cartons, Electronics, Valuables, Vehicles and Storage
Cartons you packed yourself
Some policies treat self-packed goods differently. Ask how the policy handles them before the move.
Electronics and high-value items
List them separately with make and model. Check for any per-item limit, and whether internal faults are covered.
Cash, jewellery, documents and medicines
Keep essential medicines, important documents, cash and jewellery with you. Check acceptance and limits before handing over other valuables.
Car or bike
Your motor insurance, the vehicle carrier's arrangements and household transit cover are different things. Check which one applies while the vehicle is being carried. See vehicle transport.
Storage
A storage facility's own insurance does not automatically cover your goods. Check whether your policy covers storage, and for how long. See storage services.
Office goods
Business assets may need business cover. Check with your company's insurer. Physical goods cover does not by itself establish cover for data loss, recovery costs or business interruption; check any separate terms.
Checklist Before Your Goods Leave
- Get the policy or certificate from the insurer, and verify it with the insurer.
- Photograph high-value items and existing marks before packing.
- Declare values honestly, on the insurer's valuation basis.
- Check that the route, dates, stages and policy number are correct before dispatch.
For moving help, see house shifting services. For questions after delivery, see customer care.
Frequently Asked Questions
What happens if goods are only partly damaged?
The policy must cover the cause of damage and the affected goods. Named-risk cover can also pay for partial damage when a listed event causes it; a total-loss-only arrangement differs. The insurer assesses any covered loss using the policy’s settlement basis and deductible. Note the damage at delivery and keep photos.
How long does claim settlement take?
There is no single settlement duration for every claim. Ask the insurer for the applicable decision timeline and the current status; the process can involve a survey and additional documents. Report promptly, send everything requested, and keep a record of what you sent and when.
Does insurance cover delay in delivery?
Usually not. Transit policies generally cover physical loss or damage from insured events, not losses caused by late arrival. Check the exclusions in your policy.
Can I buy insurance myself?
Yes. You can arrange cover directly with an insurer. Tell them the route, dates and inventory, and check that the policy covers used household goods. We will provide our inventory, condition notes and delivery records for your policy and any claim.
Is transit insurance compulsory for a home move?
It is optional for household goods. Consider it for long moves and valuable goods, and compare what each policy covers before deciding.
Is a quote or payment receipt proof that I am insured?
No. A quote, proposal, payment receipt or invoice is not the policy. Ask for the policy or certificate issued by the insurer, and verify it with the insurer.
Are cartons I packed myself covered?
It depends on the policy. Some treat self-packed goods differently or exclude damage from inadequate packing. Ask the insurer before the move.
Does the policy cover storage?
Only if the policy includes it. Goods stored outside the covered transit, or for longer than allowed, may not be covered. Check before storing, and ask about any extension.
Is my car covered while it is being transported?
Check your motor insurance, the carrier's arrangements and any transit cover. Don't assume household transit cover includes a vehicle.
Who decides if a claim is paid?
The insurer, under the policy's terms. We supply our moving records and help you put the claim together, but we don't decide the outcome.