What Does Removals Insurance Cover? Expert Guide for Buyers

Moving home or office? Fraser Bond explains removals insurance and how to safeguard valuables during your domestic or overseas relocation.

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What Does Removals Insurance Cover? Expert Guide for Buyers
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Whether you’re relocating within the UK or moving abroad, the process of transporting your belongings comes with a degree of risk. From accidental damage to theft or loss in transit, a well-structured removals insurance policy offers peace of mind during one of life’s most logistically complex moments.

At Fraser Bond, we support property buyers, investors, and international clients with end-to-end relocation coordination, including guidance on sourcing reliable removals services and ensuring adequate insurance coverage for household or commercial moves.


What is Removals Insurance?

Removals insurance protects your personal or commercial belongings during the packing, loading, transit, unloading, and, in some cases, temporary storage stages of a move. It compensates for accidental loss or damage while items are being transported, either domestically or internationally.

Who Needs It?

  • Property buyers or sellers relocating assets

  • Landlords or tenants moving between furnished properties

  • International investors shipping contents overseas

  • Businesses relocating offices or commercial equipment

  • High-net-worth individuals moving valuables, art, or antiques


What Does Removals Insurance Cover?

While policies vary, most removals insurance includes:

Standard Coverage

  • Accidental damage to goods in transit

  • Theft or loss of items during loading, unloading, or transportation

  • Water or weather-related damage

  • Temporary storage (often limited to 7–30 days)