Moving Insurance FAQs
Often we find customers have many questions around removals insurance. While we are not permitted by law to provide specific advice or recommendations on your move, it is important that you make an informed choice. Please read the general questions that we commonly receive. If you have further questions please call to talk to a Move Coordinator on 1300 157 448.
What Insurance Does ZOOM Removals Hold?
As members of AFRA we hold typical removals insurances including Public Liability, Transit Insurance and Workers Compensation in our standard fees. For a low additional premium we can include Comprehensive Transit Insurance in our moving rates so your furniture, household items and effects we are moving are fully protected. Only this additional cover truly protects your goods in a move.
Why Get Additional Moving Cover?
Whilst every care is taken to ensure that your personal belongings get from pick up to drop off safely, incidents can occur, which is why we offer moving insurance cover. If you have not taken out a specific Comprehensive Transit Insurance policy with ZOOM Removals, then PLEASE NOTE YOU ARE NOT AUTOMATICALLY COVERED.
By choosing to insure your items, you’re insuring against the risk of an unforeseen events occurring that can impact your belongings during the removal process.
Can ZOOM Provide Insurance Advice?
No. By law, we cannot provide you with any specific advice on what items to insure, or how much you should insure them for. However, we do recommend ensuring all items are sufficiently protected to your level of comfort. You may choose to insure all of your items or selected items only. This is entirely your choice.
How Much Should I Value My Goods For?
Due to legal restrictions we cannot give you specific advice on what value to insure for, but we can provide you indicative average values for everyday household items. Then you can make your own informed decision as to what to do.
What Will I Be Covered For?
The Product Disclosure Statement summarises what your policy covers, the various cover options available to you and what it does not cover. This should provide you with a guideline as to which items are and which items are not insured. We will provide our Product Disclosure Statement when you make an enquiry.
Should I Take Out Separate cover for Storage?
We can provide you with specific insurance to cover your goods whilst in storage with us. Please discuss all your requirements with your Move Coordinator so you can make an informed decision.
Do I Have to Take ZOOM’s Policy?
No. There is no mandatory requirement for you to take our moving insurance, and you don’t need to use our policy either. You can still move with us and have it underwritten by another provider, or you may choose not to cover your items at all. We do recommend that you consider insuring your goods and we have developed our policy to ensure that it is the very best available for our customers as it is tailor made for the moving and storage industry.
What Cover is Recommended?
We have different options depending on your requirements, so we would suggest for you to start by making a list of all your articles, including significant pieces.
You’ll be surprised how easy it is to miss certain items if you haven’t put them down on paper. Once you have your list of items, your Move Coordinator can outline coverage options you may wish to consider.
Does My Home and Contents Insurance Provide Cover?
We cannot comment on the insurance that is provided by your home and contents Insurer. It may or may not be sufficient. Certain policies may cover your furniture and goods during a move. Our insurance is tailor made for the moving and storage industry, so we are able to offer a comprehensive policy if you decide to take it.
Are There Any Hidden Charges?
Unlike many of our competitors, we prefer to give you an all-inclusive premium added either as a simple rate additional to the move rate, or a total fixed fee. We prefer no surprises and have made the system simple for our customers.
Is There Any Excess?
The Product Disclosure Statement (PDS) summarises what your policy covers and any applicable excess. Please read this document to understand any excess you will be responsible for.
I Was Told That I Could Get “Free Insurance” With Another Removalist: Why Don’t ZOOM Offer That?
Beware: read the fine print! Some removalists have a policy for ‘Restricted Perils’ i.e. fire, flood, collision, overturning of the vehicle. They mistakenly advise their potential customers that they are automatically covered. As a result of this, some insurance companies are including language in such policies stating that they (the insurer) will not respond to a claim if the removal company discloses the existence of the policy or provides that policy at no cost.
How Do I Make a Claim?
The Product Disclosure Statement (PDS) summarises the way to make a claim, and you can always call your dedicated Move Coordinator on 1300 157 448 to discuss next steps if an incident occurs.
Whilst ZOOM Removals takes the utmost care to protect your personal items, there are some known items, such as IKEA furnishings with its fragile joins, that are particularly susceptible to being moved. Other items that have not been packed properly also may be exposed, even when the moving truck is packed well.
While ZOOM Removals carries several forms of insurance we are not permitted by law to provide customers with specific advice on insurance. It is important that each customer recognise our limited liability during a move and take the relevant cover their specific concerns.
Protect your upcoming move and enquire about removals and storage insurance on 1300 157 448 today.
