Transit Insurance
Moving companies in New Zealand do not provide insurance cover for your belongings. This page explains how transit insurance works and how to arrange it before your move.
Get A Moving QuoteOr call: 0800 432 796What You Need to Know Before Moving Day
Insurance Information
When you’re moving house, the last thing you want to worry about is what happens if something gets damaged along the way. We get it – your furniture and belongings aren’t just “stuff,” they’re your life.
At Easy Move Furniture Removals, we’re upfront about how things work. Like most moving companies in New Zealand, all moves are carried out at the owner’s risk under the Contract and Commercial Law Act 2017. This means the moving company isn’t liable for loss or damage to your belongings during transit, unless the damage is intentional.
That sounds a bit scary, but here’s the good news – there are transit insurance options available that can give you proper peace of mind before moving day.
We recommend that customers consider arranging transit insurance before their move.
Why You Should Get Transit Insurance for Your Move
During a move, your belongings are outside your possession and in the care of a moving crew and transport vehicle. Transit insurance exists for this reason. It provides cover for the period when your property is being handled, transported, and delivered, and you are not in direct control of it.
Your regular contents insurance might offer some level of transit cover, but it’s often limited and may not cover the full replacement value of your belongings while they’re being moved. A dedicated household goods transit policy is designed specifically for this period of transport, covering accidental loss, damage, or destruction of your property from loading through to delivery.
Your insurance provider can explain exactly what is and isn’t covered under a transit policy, including any exclusions or excess that applies.
We Recommend Marble Insurance
Independent Insurance Provider
To make things easier for our customers, we recommend getting in touch with Marble Insurance. They’re a New Zealand-based insurance broker and part of the Steadfast broker network, with access to insurers offering household goods transit policies.
We don’t receive any financial benefit from recommending Marble Insurance – we simply point you their way because they make the process easy to follow and they understand the moving industry.
Here’s what you need to do:
Contact Marble Insurance – Visit marbleinsurance.co.nz or give them a call to discuss your transit insurance options.
Let them know you’re moving with Easy Move Furniture Removals – They’ll understand the type of move and can recommend the right level of cover.
Get your policy sorted before moving day – Ideally, have your insurance confirmed at least a few days before your move so everything’s covered from the moment we start loading.
What to Know Before You Arrange Transit Insurance
Before you get in touch with an insurance provider, it helps to understand what transit insurance covers – and what it doesn’t. That way you can have a proper conversation with them and make sure you end up with the right level of protection for your move.
Most transit insurance policies in New Zealand cover accidental physical loss, damage, or destruction of your household goods and personal effects from the moment loading begins right through to delivery at your new place. That includes protection while your items are being handled by the moving crew, while they’re on the truck, and while they’re being unloaded and placed in your new home.
There are generally two ways to declare the value of your belongings, and your insurance provider will talk you through which one suits your situation:
Lump sum cover – You declare a total value for everything being moved. This is usually calculated based on the volume of your shipment and is the simpler, quicker option. Good if you want to get things sorted without a lot of paperwork.
Valued inventory cover – You list each item individually with its replacement value. Takes more time but gives you more precise cover, which can be worth it if you’ve got specific high-value items.
It’s also worth knowing what most policies won’t cover. Things like cash, jewellery, precious stones, stamps, coins, and digital data are typically excluded. If you’ve packed boxes yourself rather than using a professional packing service, those items may only be covered for total loss – not for damage. Your insurance provider can clarify how packing arrangements affect your cover.
Your insurance provider will walk you through the full details, including any exclusions and the excess that applies. We’d always recommend reading the policy wording before your move so there are no surprises.
Make Your Next Move Easy
Give us a call or fill in the quote form below.
