When moving house, your personal effects are subject to a wide range of risks. In the case of international removals, various different means of transport are often used in order to bring your belongings to the required destination. This itself involves a great deal of risk. Unfortunately, as a result, your goods may get damaged or lost in transit, even though your removal company has packed your belongings carefully and professionally. Due to regulations laid down by the law, the liability of removal company is limited or even totally excluded, so when it comes down to it, there is always the risk that you will have to cover the cost of damages yourself. In order to avoid such issues, SIMPLO has created various tailor-made insurance policies together with leading insurance companies.
Apart from your personal effects, you can of course insure your car, motorcycle or even your boat. In addition, SIMPLO offers you the possibility to insure your luggage during its journey to destination, and your personal effects for the first 60 days at destination under a standard household contents insurance policy.
To be fully insured and to receive total compensation in the event of a claim, you should draw up a complete value-based inventory of the personal effects to be covered – your Move Manager will provide a copy of the valued inventory.
This should be handed to your removal company before the move begins. When drawing up the list, give the value of the effects as at the place of dispatch plus the freight costs to your required destination. You may choose between depreciated value and replacement value insurance. The advantage of a policy based on the cost of new items is that, in the event of a complete write-off, even used items would be compensated on a new-for-old basis without deduction.
Livestock, plants, cash, negotiable documents, stamps, shares, property documents, jewellery, coins, precious stones, pearls, minted and unminted precious metals and similar valuable articles.
Loss and damage resulting from the nature of the removal goods or their deficient condition, such as glue loosening; cracking and dulling of the finish; damage to upholstery due to perished material; absorption of odors; inherent vice; and the breakage of filaments and leakage. Mechanical, electrical, and electronic derangement, unless as a direct consequence of external physical damage. Breakage, denting, scratching and chipping of articles packed by the owner.
All our insurance policies have up to 30 days of storage coverage included. In case you need to keep your belongings in storage for longer periods, please let your Move Manager know prior to expiry date, so that an extension of the storage period can be set up. The Insurance Coverage during Storage is billed monthly.
Please examine all items carefully. Externally visible damage should be determined together with the removal personnel upon delivery and this should be notified in writing on the delivery documents (ie. Delivery sheet, packing list). Damage that is not visible upon delivery should be notified in writing within 30 days of delivery with photographic proof.