A Complete Guide to Moving Insurance Claims

Moving is associated with the loss of things, damage to goods, and similar things. However, when you move with reputable movers in Riyadh, such as Kingdom International Mover, such occurrences are very limited and rare. But it is considered a safety measure to always get your move, whether domestic or commercial, protected with insurance because you never know when an accident will happen. In this blog, Kingdom International Movers, one of the top international movers in Saudi Arabia, will take you through a complete guide on moving insurance claims. So read till the end and share with your friends who are planning to move.

Here are a few pros and cons of moving to an unfurnished home:

What goods are covered under Moving Insurance?

When you decide to purchase moving insurance from your hired movers and packers in Riyadh, knowing what items are covered by moving insurance is important. To ensure the security of your belongings, insurance is a must, and after knowing what goods are protected, you can plan your move in a much better way. Moving insurance often covers the following products:

• Furniture pieces like couches, bed frames, wardrobes, vintage pieces, etc.
• Office and household appliances and electronics
• Tools for gardening

Transit insurance does not cover things like jewels, prescription drugs, cash, valuables, antiques, glassware, or perishables. If you need protection for these things, then you may have to take out a special type of insurance specifically meant for them. You can connect with experts at Kingdom International Movers for further details on this.

Why Your Moving Insurance is Needed?

Ensuring the protection of your household or commercial goods during relocation is the main reason packers and movers in Saudi Arabia suggest purchasing moving insurance. Unexpected events like fire, theft, or accidents can cause serious damage to your items and result in significant financial losses. Therefore, it is advised that you buy moving insurance from your movers to avoid being in such a predicament.

The value of the items to be moved and the plan chosen for purchase are the two main factors used to calculate moving or transit insurance. You can purchase transit insurance if you’d prefer to have minimal coverage while traveling. However, you should get all-inclusive insurance if you want the insurance coverage to fully cover all your items.

Go through our tips to fill extra space in your new home after moving.

Types of Moving Insurance

A typical insurance company offers two types of moving insurance. You can get detailed information about the same from one of the leading moving companies in Saudi Arabia, Kingdom International Movers. The two types of moving insurance are described below:

1. Full value protection

Under this protection, the insurance company offers full replacement coverage, cash settlements, and insurance for damaged or lost property, among other things.

2. Declared value protection

Under this insurance protection, only insured and declared goods are eligible to receive the insurance amount. Individuals must report the true worth of their household items, and the moving insurance costs will be calculated based on that amount. Often, documents like invoices and purchase receipts are required to get this insurance for your relocation.

Documents Required for Claiming Moving Insurance

As described above, if you need to claim insurance, you will need the following documents:

• Landing bill
• Original invoice
• Insurance claim form
• Shipping details

Checklist for Moving Insurance Claim

When your movers in Riyadh deliver your insured business or residential belongings and you find any damage. Then it is time to file an insurance claim. When you hire Kingdom International Movers, such occurrences will be next to none. However, if they occur, we have outlined here the exact steps needed to file a damage claim with your insurance provider without any difficulty.

1. When you understand the terms and circumstances of insurance claims, you should always begin packing, or you can hire a moving company to handle the packing for you.

2. Within 14 days of the courier or email delivery of your package, submit your insurance claim.

3. Remember to include pictures of your damaged goods along with their packaging when you submit the insurance claim form.

4. The insurance company will only schedule the inspection after reviewing the evidence.

5. Refrain from opening the packaging or removing your damaged products from the delivery location, since doing so would lead the insurance provider or moving business to believe that the damage occurred after you have handled your package or items. In certain situations, the claim is denied.

Also, read our essential cleaning checklist for moving out of your home.

Liability of claim

Those who have purchased an all-inclusive or enhanced insurance policy for their goods may be able to recover the full cost of any damage, but only if the cost of replacement or repair is greater than the insurance policy’s maximum.

Cases When Moving Insurance Can Be Rejected

The insurance firm has the right to reject your moving insurance claim in several ways.

1. The packing is in fine shape, but the items within the moving box are damaged.

2. The items are heavy in the package.

3. Damages result from inadequate padding between the packed goods inside the box.

4. Packing tapes are not used to effectively seal the joints and openings.

5. Not submitting the insurance claim form in the 14 days following the move.

6. The damaged goods are not listed among the commodities that are covered.

7. Not marking the package as damaged or uninspected.

Procedure For Insurance Claim

Upon receiving your belongings, you should promptly request that the insurance company initiate an insurance claim procedure if you discover any damage to them.

1. Provide old and new photos of the damaged items as proof, together with other documentation such as pictures of the goods that are broken or damaged on the invoice and photos of the externally damaged packaging.

2. To find out the actual value of the damaged products, submit the invoice.

3. The moving company or insurance company must get the aforementioned paperwork and images.

4. After reviewing your proof, the insurance provider will get back to you in 7 business days to approve an inspection of the damaged items.

5. Within five working days of the insurance company or moving business authorizing an inspection, the damaged box or items will be picked up for inspection.

6. If your claim is approved, you must complete an insurance claim form and return it to the insurance company within 14 days. If your damaged products can be fixed, please include the invoice for the repair charges.

7. You may need to provide more proof if your application or claim request is denied.

This is the complete guide for moving insurance and how to claim in case of any damage. For more details, you can contact Team Kingdom International Movers.