Insurance of the Removal
Comprehensive insurance cover for your removals
Removal goods are exposed to few risks: during disassembling, packing, loading, transportation, unloading, unpacking, and assembling. The professionals have the experience and expertise to handle the removal professionally and try hard to prevent the damages. However, in spite of high diligence, the damages or accidents cannot be ruled out.
Without additional insurance cover, the person who is relocating has to bear the major portion of the cost of any damage, as the liability of the furniture remover is limited or even completely excluded in accordance with the statutory regulations. With our Partner SCHUNCK GROUP (insurance broker), we offer you a cargo insurance with SCHUNCK-Mover-Plus, which extensively compensates for the removal goods and thus closes the gaps of the statutory liability.
The statutory liability of the freight forwarder is limited to 620 Euro per cubic meter (m³) of the removal goods in accordance with the German Commercial Code (§ 451e HGB). You can find the exact information on this topic in our liability terms.
Following should be considered for the basic cover:
The current value of the removal goods is decisive for the basic cover. The basic cover does not compensate for any damages, which cannot be averted in spite of diligence, and it does not help, among other things, in case of “force majeure” (e.g. Accident caused by a third person, who cannot be punished, accidents due to black ice and other similar situations).
We recommend concluding additional cargo insurance. By concluding removal cargo insurance, a value higher than the basic cover can be covered.
Currently, if you have valuable removal goods, it is sensible to consider the conclusion of additional removal cargo insurance. We shall be glad to offer you advice and if needed, we shall conclude such insurance for you with our insurance partners. You have a choice to insure your things at the current or at the replacement value. Removal cargo insurance covers also the damages due to “force majeure”, which are not covered by the basic cover.
These aspects should also be considered essentially for the insurance:
Electronic and technical devices, and also furniture and other household items depreciate very fast after purchasing. Many times, the current value is estimated incorrectly by the owner, and a very high value is assumed. In order to avoid the perceived high financial losses, it is recommended that the removal goods should be insured at replacement value. Thus, even in case of international removals, it should be also considered that in some cases, the replacement value in some countries can be considerably higher than that in Germany.
Moreover, it must be noted that the self-packed and stored goods can have a limited cover with the removal cargo insurance. In case of self-loading, you have an option to choose a limited insurance cover solution, the so-called insurance against total loss or also basic cover, which is recommended in case of self-loading, especially in case of maritime transportation, as the liability of the shipping company is very limited in case of total loss.
It is very important that the deadlines of notification should be observed in the event of damage
We shall be happy to inform you on this topic during one-on-one discussion to find a mutually optimum solution for you.
With the following links, you can download the latest flyer of our partner OSKAR SCHUNCK GmbH & Co. KG, on this topic: