Insurance information

1. Separate roles: carrier, broker, and insurer

When we perform removals, we act primarily as the transport and handling operator. Goods-in-transit (GIT) or similar cover is typically arranged through regulated insurers or coverholders meeting our operational profile. We are not an insurer; we do not guarantee that a generic description on the web matches every individual policy issued for a particular job.

2. What goods-in-transit cover generally insures

Subject to policy wording, GIT policies typically indemnify against accidental loss or damage to your goods while they are being loaded, carried in the insured vehicle(s), unloaded, and sometimes during incidental transhipment. Cover is usually subject to inner limits per item or per claim, an excess payable by the customer or deducted from settlements, and schedules listing excluded or restricted articles.

3. Typical monetary limits

Insurers set maximum claim limits by vehicle class, route, and declared value. You may be asked to declare the total value of goods or categories such as electronics, artwork, and jewellery. Under-insurance provisions may apply if declared values are below true reinstatement cost. Exact figures appear only on your booking paperwork or policy schedule.

4. Common exclusions (illustrative)

Policies commonly exclude or restrict, among other things:

• Cash, negotiable instruments, jewellery beyond stated single-article caps unless specially agreed.
• Fine art, antiques, or collections above specified values unless valued and accepted in writing.
• Structural damage to property (walls, doors, drives) unless a separate liability extension applies.
• Loss arising from inadequate owner packing where packing was not performed or supervised by us.
• Delay, pure economic loss, or consequential loss not covered by standard GIT wordings.
• War, terrorism, sanctions, nuclear risks, radioactive contamination, and similar standard market exclusions.
• Wear and tear, mechanical derangement of appliances unless transit impact is proven, infestation, or inherent vice.
• Goods left unattended in unsecured public areas outside the reasonable chain of custody.

5. High-value, fragile, or unusual items

Pianos, large safes, glass table tops, marble, large mirrors, chandeliers, laboratory equipment, and server racks may require bespoke handling plans, additional crew, specialist lifting equipment, or explicit insurer acceptance. Failure to notify us in advance can lead to cover being compromised or jobs being refused on the day.

6. International moves and customs

Cross-border moves may involve additional carriers, storage in third countries, temporary admission, and customs inspections. Insurance positioning (where risk passes, who holds title, and which legal regime governs carriage) can differ between legs. We will explain the intended structure on your booking documents where relevant. Sanctions, embargoes, or denied-party screening may prevent carriage altogether.

7. Claims handling overview

1. Notify us as soon as you discover loss or damage, and in any case within the time frame stated on your paperwork or policy (late notification can prejudice cover).
2. Provide photographs, inventories, purchase invoices, repair estimates, or valuation documents as insurers reasonably request.
3. Allow inspection of damaged goods where feasible; retain damaged articles unless insurers authorise disposal.
4. Cooperate with loss adjusters or surveyors appointed by insurers.

Settlement may be by repair, replacement at like kind and quality, or cash at insurer discretion subject to policy terms. Betterment deductions may apply to older goods.

8. Your own household or renters insurance

You may maintain separate contents, travel, or all-risks cover. Coordinate with your broker to avoid gaps or double insurance. Some household policies exclude goods in professional removal unless notified; others extend temporarily during moves. We are not responsible for verifying your private policies.

9. Regulatory notice

Arranging insurance in respect of motor vehicles, large commercial shipments, or certain financial instruments may require specific permissions in your jurisdiction. Where we arrange GIT as part of our operational package, we do so in line with applicable permissions held by us or our partners at the time. If you require a formal Policy Summary, Insurance Product Information Document, or FCA-mandated disclosures, request them before cover incepts so they can be supplied by the underwriting party.

10. Contact

For operational questions about how we protect loads on the day, contact hello@rkremovals.com with your booking reference. For policy documents after cover has been arranged, refer to the paperwork issued for that job.