Is my furniture insured during the move, and who pays for damage?

• Is transit or moving insurance included, or extra?
• What's the limit per item and in total?
• Is there an excess (the part you pay)?
• Exclusions: items you packed yourself, fragile items, electronics, cash and jewellery?
• How and when do you make a claim?

Check your home contents insurance too. Some policies cover moves.

• Photograph valuable and fragile items before packing.
• Keep jewellery, documents, cash and laptops with you.
• Ask for lift padding and floor protection in both buildings.
• Inspect items as they're unloaded, and note damage on the delivery paperwork before signing.

1. Photograph the damage straight away.
2. Tell the mover in writing the same day.
3. Follow their claims process within its deadline.
4. Keep receipts or proof of value for damaged items.

Damage to lifts, walls or floors in either building may be charged to you, often from your moving deposit. Ask the mover to accept responsibility in writing and claim it back from them.

If movers scratch floors or walls in your new home, record it immediately so it isn't blamed on you at move-out, and claim from the mover.