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.
Whilst in our care your furniture and possessions are covered up to £50,000 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.
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.
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.
Insurance Premium Tax is chargeable at 6% of the total insurance premium.
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.

Principal Exclusions

  • Jewellery, watches, precious stones, money, coins, bullion, deeds, bonds, securities and stamps of all kinds except whilst in store in a locked safe or strong room.
  • Furs, perfumery, tobacco, cigars, cigarettes, wines, mobile phones, spirits and explosives. It is agreed, however, that cover will be provided for these items where they are part of a household or office removal or storage contract subject to a limit of £10,000 any one customer, any one job.
  • Livestock.
  • Moth, insect or vermin unless from an external cause.
  • Leakage of liquid from a receptacle or container unless packed by the Remover.
  • Mechanical or electrical damage or derangement of any mechanical or electrical goods unless reasonably attributable to physical damage to such items from an external cause, or following fire, flood, collision or overturning of road vehicles or other conveyances.

Policy Excess

Insurers will not pay the first £50 of each customer’s claim.

Pairs and Sets

Where any items are part of a pair or set Insurers shall only pay for the actual items which are lost or damaged. No payment will be made by Insurers for any items which are part of a pair or of a set and which are not lost or damaged.

Consequential Loss

This insurance policy will not cover consequential losses arising from the delay, damage or non-delivery of your consignment.

Deterioration, Wear And Tear, Inherent Vice, etc.

This insurance policy DOES NOT COVER loss or damage caused by gradual deterioration, wear and tear, atmospheric or climatic conditions (except where optional coverage for Mould and Mildew has been purchased), inherent vice*, moth damage and loss of data.


Not Covered – quotations available on request.

Owner Packed Goods

This insurance policy DOES NOT COVER damages arising to owner packed goods. Also excludes claims for missing items from owner packed cartons or packages unless an itemised valued list of the contents of each carton or package is attached is attached to the Insurance Proposal form and forwarded to us prior to the commencement of the transit.

Insurance Broker

Insurance cover is provided through Reason Global Insurance Ltd.  Reason Global Insurance Ltd. is authorised and regulated by the Financial Services Authority. Their registered number is 304381.

These details only provide an overview of our insurance cover.  It is important that you read our full terms and conditions.

Read more about the details of our Insurance Cover.