Do I Need Moving Insurance?

The simple answer is yes. It’s always wise to have sufficient insurance to cover your worldly possessions. However, with so many grey areas around insurance, let us dispel any ambiguity around the safety of your goods during a home removal.

Moving home is a major life event—and while it’s exciting, it’s also when your belongings are at their most vulnerable. From fragile heirlooms and electronics to valuable furniture, accidents can happen even with the most professional movers. That’s why understanding moving insurance isn’t just recommended—it’s essential.

What Is Moving Insurance?

Moving insurance is designed to protect your personal items while in transit from one location to another. It can cover loss, theft, or damage depending on the policy. While reputable moving companies like Hello Vans include basic liability insurance, it’s important to know what this actually means for your individual items.

What Does Basic Coverage Include?

Most moving companies offer basic goods-in-transit coverage. This usually covers your belongings while they’re being transported in the moving van but might not include packing, loading, or unloading incidents. The payout is often based on weight, not value—which means high-value, low-weight items (like laptops or jewelry) may be underinsured.

Do You Need Additional Insurance?

If you’re moving high-value items or sentimental possessions, the answer is yes. For full peace of mind, consider purchasing supplemental insurance or checking if your current home contents insurance covers moving days. Always verify whether the policy covers all stages of the move—including packing and unpacking.

When Should You Ask About Insurance?

Ideally, ask your moving provider about insurance as early as the quoting stage. If you’re considering Hello Vans removals services, we’re happy to explain what is included in our goods-in-transit coverage and help you understand if additional protection is worthwhile.

What Industries Recommend Insurance?

Industries such as antiques, electronics, fine art, and musical equipment often insist on additional coverage during transit. If your belongings include these types of items, a tailored insurance policy is highly advisable. It’s also useful if you’re relocating long-distance or storing items temporarily in between homes.

What If You’re Moving Without Insurance?

Choosing to move without insurance is a personal decision—but keep in mind that replacing or repairing damaged items out of pocket can quickly exceed the cost of proper coverage. Even a minor mishap could cost hundreds or more.

Final Thoughts

Moving insurance isn’t just a checkbox—it’s a safeguard. Whether you’re moving across the street or across the country, it’s always smart to protect what matters most. At Hello Vans, we’re committed to providing transparency, peace of mind, and a smooth transition into your new home.