All work is undertaken subject to H&M Removals' terms and conditions, which limit liability. Insurance is available as an optional add-on, a premium is levied at the time of booking. If you choose to insure, every item being moved or stored must be listed at its full replacement value. Under-insuring can result in only partial settlement in the event of a claim.
Each item must be insured for what it would cost to replace today, not what you paid for it. Under-insuring means a claim may only be partially settled.
Only items packed by our crews are covered. Breakages that occur in owner-packed boxes are not insurable, our consultants can advise which items should be professionally wrapped.
There is a strict window for submitting claims after delivery. If damage is discovered, report it immediately and file the claim within the required period to avoid forfeiture.
Understand your cover before you move or store with us.
No, insurance is optional, but we strongly recommend it. It gives you peace of mind that your goods are covered against specified risks while in transit or storage, up to the value you declare.
Cover is restricted to loss or damage resulting directly from fire, collision or overturning of the transporting vehicle, theft following any of these events, and hijacking, limited to your declared value.
Your premium is based on the total value you declare for your goods. Use the insurance calculator on our Insurance page for a quick estimate, or ask us when you request your quote.
You complete a valuation form listing your items and their replacement values. It's important to declare accurately, as any claim is limited to your declared value. The valuation form is available on our Documentation page.
If something goes wrong, contact us as soon as possible and complete the claim form (available on our Documentation page). We'll guide you through the process from there.
Mention insurance when requesting your quote. We'll calculate the premium based on your declared values and include it in the final price.