How to ensure, you're insured when moving.
Moving includes many emotions along with many important steps that need to be followed. You might be preparing your current home for the new owners, concentrating on all the things that need to be packed, keeping track of payments that need to be made before the move and the list goes on. This List therefore also constitutes one of the main components that help people keep track of everything when the reality of moving sets in - but do you have insurance on your list? Owning or living in a home requires one to have some form of insurance on your goods and the building, depending on what your situation is. But have you considered how all these elements stay safe during your move?
Top insurance tips to consider when you're planning a move:
1. Inform your Insurance Company
It is of the utmost importance to inform your insurance company of your move. This will allow them to update your address as well as grant them the opportunity to see in which way your premium could be affected. There are quite a few aspects that could impact your premium. These aspects include but are not limited to building sites, proximity to informal settlements or open pieces of land and the availability of security measures at your new home. When your insurance company is aware of your moving and your moving dates, they will be able to cancel the cover at your old home and instate the cover at your new home within the correct time - this way you will be able to avoid double cover or a gap in your cover.
2. Professional Moving Company
Professional moving companies can provide you with insurance that will cover your possessions during transit. It is very important to first shop around for a moving company and while you are requesting quotes, you may also request that the company provide you with proof of the insurance that they can provide you with. There is unfortunately the possibility that your items could be stolen or damaged during transit because of an accident. Having insurance in place during this phase will ensure that should anything happen, the process of dealing with it will be easier and more seamless.
3. Update home Inventory
Packing might not always seem like an exciting activity - but how often do you get the opportunity to work through all your possessions? Use this time to purge some of your goods and then also to update your home inventory list. Your inventory list will assist you in making sure that all your items reach the new destination and help determine the correct insurance value of your home contents.
4. Ensure your belongings during partial moves
If you are able to move some of your items over to your new home prior to your official move in date, it is very important that you then stay in contact with your insurer. This way they can ensure to keep your valuables insured correctly and never letting you stress about being under or over insured at either address on their books.
Remember that your insurance wants to be of assistance - it is your responsibility to inform them of anything that changes, because this is the only way that they are able to assist you and give you professional advice.
Need a quote or help moving? Try the wise move price estimator: Wisemove.co.za
