Comprehensive Moving Insurance & Liability Protection in London
Relocating your home or office involves moving treasured heirlooms, high-value electronics, bespoke furniture, and essential business assets. At Gago Movers, we prioritize the utmost care, using specialized packing materials, protective blankets, and experienced, in-house removal specialists. However, unforeseen transit hazards on UK roads or within buildings can happen. That is why every relocation we undertake is backed by comprehensive, underwritten moving insurance — delivering complete peace of mind from doorstep to doorstep.
Full All-Risks cover protecting your possessions against accidental damage, loss, or transit impact from doorstep to doorstep.
Complete indemnity for accidental damage to residential & commercial premises, communal hallways, lift doors, and third-party property.
Unlike standard carrier liability that pays scrap weight value, our all-risks cover provides repair, replacement, or settlement as new.
Enjoy up to 60 days of free insurance protection when your household or commercial goods are stored in our secure West London facility.
Standard Carrier Liability vs. Gago Movers "Full All-Risks" Cover
Many removal companies and budget "man with a van" operators operate under standard carrier liability (often limited to statutory terms such as RHA or BAR minimums). Under standard limited liability, items are valued purely by depreciated second-hand scrap weight — typically offering a maximum of only £40 per item regardless of its real-world worth. If a £2,500 75-inch smart TV or an antique dining table is damaged, standard liability leaves you with substantial out-of-pocket loss.
Gago Movers provides comprehensive 'Full All-Risks Door-to-Door' insurance. This means your goods are valued for replacement as new. We don't require burdensome inventory valuations for standard moves, and claims are handled directly by specialist independent claims adjusters.
| Feature | Industry Standard Carrier Cover | Gago Movers All-Risks Policy |
|---|---|---|
| Valuation Basis | Depreciated scrap weight (max £40 per item) | ✓ Full replacement "as new" value |
| Goods in Transit Limit | Usually excluded, £10,000 cap, or costly add-on | ✓ Up to £50,000 per vehicle included |
| Premises & Property Damage | Minimal or not covered; homeowner claims own policy | ✓ £5,000,000 Public Liability indemnity |
| Loading & Unloading Handling | Road transit only; curb-to-curb restrictions | ✓ Full room-of-choice doorstep-to-doorstep cover |
| Storage Insurance | Extra recurring weekly charge | ✓ 60 Days Free Storage Insurance included |
| Policy Excess | Variable / high deductible (£500+) | ✓ Clear, fixed £250 excess per claim |
| Claims Window | Often restricted to 24–48 hours | ✓ Fair 5 working days notification window |
Clear & Transparent Policy Coverage
Transparency is at the heart of everything we do at Gago Movers. To ensure complete clarity when planning your House Relocation or Office Move, here is a detailed breakdown of what is covered under our policy and standard transit exclusions:
What Is Fully Covered
- Household & Office Furniture: Beds, sofas, tables, wardrobes, and desks disassembled, protected with transit blankets, and reassembled.
- Consumer Electronics & IT Equipment: TVs, monitors, desktop computers, servers, audio gear, and game consoles.
- Glassware, China & Fragiles: Kitchen crockery, wine glasses, porcelain, and mirrors (when packed by our Professional Packing Team or using heavy-duty removal-grade packing materials).
- Domestic Appliances: Washing machines, dishwashers, tumble dryers, and refrigeration units.
- Transit Hazards: Road collision, vehicle overturn, fire, theft, and accidental physical impact during vehicle transport.
- Premises Protection: Accidental scrapes, structural dents, or floor gouges occurring within UK domestic or commercial properties during removal handling.
Standard Industry Exclusions
- Prohibited & Hazardous Items: Flammables, pressurized gas canisters, fireworks, solvents, corrosive chemicals, and live ammunition.
- Perishable Goods & Plants: Open food items, refrigerated goods in transit, and living houseplants subject to temperature shock.
- Cash, Bullion & Important Documents: Physical banknotes, coin collections, deeds, passports, birth certificates, and bearer securities (clients should carry these personally).
- Owner-Packed Boxes with No Outer Impact: Fragile items broken inside client-packed cartons where the cardboard exterior shows zero signs of crushed transit impact.
- Pre-Existing Wear & Tear: Inherent vice, moth damage, damp, mechanical or electrical breakdown not caused by external transit shock.
Our Fast-Track 5-Step Claims Process
In the unlikely event that an item is damaged or misplaced during your move, our claims process is straightforward, fair, and prompt. We do not bury clients in endless red tape:
Delivery Walkthrough
Carry out an initial check with our move supervisor upon completion of unloading and note any noticeable exterior damage.
Notify Within 5 Days
Contact our customer support team within 5 working days by calling 0203 4884 660 or emailing [email protected].
Submit Documentation
Send clear photographs of the damaged item, serial number (if applicable), and an invoice or receipt establishing replacement value.
Independent Assessment
Your claim is handed to our independent transit claims adjusters for fair, unbiased appraisal without delay.
Fast Resolution
Resolution via professional restoration by approved specialists, identical new replacement, or direct financial settlement minus the £250 excess.
High-Value Belongings & Custom Valuation Advice
Our standard £50,000 Goods in Transit cover comfortably shields 95% of 1 to 4-bedroom London home moves and medium-sized commercial relocations. However, if your inventory includes fine art, grand pianos, antique collections, luxury watch safes, or specialist laboratory instruments exceeding £50,000 in aggregate value, simply let our relocation coordinator know during your free video survey or consultation.
We can arrange bespoke extended policy indemnity up to £250,000+ to ensure comprehensive protection tailored to your exact inventory. For more details on bespoke moves, explore our House Removals, Office Removals, Man and Van Services, or review our full Terms and Conditions.
Frequently Asked Questions About Removals Insurance
How much moving insurance does Gago Movers provide?
Gago Movers includes up to £50,000 Goods in Transit (GIT) insurance and £5,000,000 Public Liability insurance as standard across all London and nationwide relocations. Extended coverage is available for high-value home or office moves upon prior agreement.
What is the difference between standard liability and all-risks removals insurance?
Standard carrier liability compensates based on depreciated scrap weight (usually capped at £40 per item), whereas Gago Movers All-Risks Insurance covers items on a 'new-for-old' replacement basis, ensuring fair repair, replacement, or compensation matching current market replacement value.
What is the claims notification window if an item is damaged during a move?
Clients must notify Gago Movers in writing within 5 working days of delivery. Providing photographs of the damage, model or serial numbers, and proof of purchase or current replacement pricing accelerates claim processing with our independent claims handling agents.
Does Gago Movers insurance protect my floors, walls, and premises?
Yes. Our £5,000,000 Public Liability insurance provides extensive coverage for accidental damage to UK premises, including walls, banisters, door frames, flooring, communal staircases, and lift interiors throughout the loading and unloading process.
Does Gago Movers insurance cover items placed into storage?
Yes. Customers utilizing Gago Movers storage facilities receive 60 days of complimentary storage insurance cover. You simply declare the total replacement value of your consignment at destination with no complex individual inventory required.
What is the policy excess for an insurance claim with Gago Movers?
A standard policy excess of £250 applies per approved claim. In the event of a valid claim, this excess is deducted from the final settlement or paid by the claimant prior to repair or replacement dispatch.
