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Whilst we take every care to ensure your belongings arrive safely and securely at your new home our insurance options give you a little extra peace of mind should the unexpected happen.
We know it can be confusing to compare insurance options when you’ve got quotes from several removal companies, so here we’ve aimed to make the cover we offer as clear as possible so you can make an informed decision.
Bournes have chosen to make our costs for insurance visible to our customers to allow them to make the choice whether they would like us to carry the risk in the event of an accident by paying an insurance premium or if they are happy to carry the additional risk themselves.
Limited Liability is the default protection in place for our customers if no optional insurance cover is selected.
Under our Terms and Conditions, in the event that you do not take out optional removals insurance, the amount of liability we accept, reflected in the cost of your move, is limited to a maximum claim of up to £40 per item and up to £40 for the contents of a carton that is lost or damaged as a direct result of our negligence or breach of contract, unless agreed otherwise in writing.
Bournes operate the British Association of Removers Terms and Conditions as approved by the Trading Standards Institute.
If you'd like us to carry the additional level of risk in the event of an accident we offer a specially designed Removals Insurance which we arrange on your behalf with our Insurers and includes:
Essentially this cover ensures that in the unlikely event of loss or damage you will be provided with what you had before.
This could be a repair/restoration to previous condition or a payout that equates to the current value of a similar item of the same age and condition, less depreciation, determined by the insurer.
Our policy is subject to a £50 excess and we ask for a list of single items included in your move that are valued over £1500 so we can ensure the right level of cover is put in place for you.
You can review our full indemnity insurance terms and conditions here.
You can upgrade your indemnity policy to provide new for old cover for an additional premium. This means that the claim valuation will be for replacement as new with no deduction for wear and tear (excluding clothing and household linen).
This is a great option where it may be hard to find a replacement for the second hand value of the item, or where you don't want the hassle or simply would prefer a new item in replacement.
New for old cover provides peace of mind that if an item is damaged beyond repaid that your claim payout will enable you to replace it, even if the exact item is no longer available.
You can view our full New for Old insurance terms and conditions here. If you would like to choose new for old cover but do not see this option on your quotation please contact your move consultant.
If you would like to choose any of these upgrades but do not see these options on your quotation please contact your move consultant.
Your insurance premium covers the move into and out of store but separate charges will be applicable for insurance whilst your goods are in store, this will be highlighted on your quotation. Storage insurance can only be agreed if you have taken arranged insurance for your removals service.
Just tick the box on your acceptance form to confirm you'd like to accept this option and complete the value of your belongings in the declaration box and we'll be happy to arrange this insurance on your behalf.
In the unlikely event of a claim we will do everything we can to make the claims process move quickly and smoothly.
You must notify us within 7 days of delivery of your move and your claim must be confirmed in writing, we will then explain the next steps in the claims process in order for the insurer to evaluate and progress your claim and will assist where possible in completing any documentation.
For property damage claims you must notify us on the day of your move or within 24 hours of the crew departing your premises.
Please contact your Move Consultant who will be happy to help you compare our insurance options and explain more about what cover each level provides. You can also check out our blog post covering some of the important things you need to know about removals insurance which is especially helpful when comparing your options between different removal companies.