Moving house? Have you got Insurance?

You probably have your current home insured, and no doubt the new one will be too. But will you be covered while moving? Moving can be a hazardous time, with potential for damage to your possessions, and also for theft as opportunistic thieves take advantage of your vulnerability. Ensuring that you have adequate insurance at both ends and in the middle may be well worth taking a little extra time and cost to organise.

Insurance cover while moving house

The need for insurance cover while moving may not seem apparent, but the fact is that many thieves look for homes where there are signs of the occupants moving, as this is when items are generally the least guarded and the most vulnerable. You may not even notice that a valuable item has been stolen in the disarray of the move, so insurance cover at three points is the best way to stay protected.

• Your old / current house and contents insurance should continue until you are absolutely certain that you will have vacated. It is worth allowing some overlap to ensure that if items are stolen or damaged while still there they will be covered, and that any damage that may occur to the house while you are moving will also be covered
• Special insurance cover for the moving process is available, and many professional removalists may insist on it, or offer it as part of what you pay for. If not, investigate this option before moving day. Moving insurance differs, but in general covers damage to or loss of your belongings while in transit
• Your new home should be insured from the moment you are responsible for it, and from as soon as your belongings arrive. If you own the new home, home and contents insurance will be most appropriate, or take out contents insurance to protect your belongings in a rented home
• Always check the terms of any insurance that you take out, to ensure that you are getting what you expect over the time that you need it
• Investigate insurance options either by using one of the comparison services available or by contacting insurers directly to compare rates and terms.

It is important to ensure that your possessions and home/s are covered by insurance while moving.

Moving: Make sure you’re covered

Insurance might be the last thing on your mind in the midst of the moving flurry, but it may be the time when you need it most. Thieves may take advantage of possessions left less well protected than usual, and your belongings are also vulnerable to damage in transit. Moving insurance, for these reasons, is well worth investigating.