Why choose Pickfords' removals insurance?
Removal companies differ in the removals insurances policies that they offer to customers , so deciding how your goods can be best protected can be confusing.
Some moving companies offer "Extended Liability" or "Standard Liability" as sufficient cover for your goods in transit. Pickfords offers goods in transit removals insurance with no excess.
The difference between Extended Liability, Standard Liability and Pickfords' Goods in Transit removals Insurance:
Claim against the insurer not the mover
With Standard or Extended Liability, the insurance is taken out by the removal company in their name and any claims are made against the mover. The insurer has to decide to accept liability and may refuse to compensate you if negligence of the removal company cannot be proven.
With Pickfords Goods in Transit Insurance you sign a contract that entitles you to submit a claim directly against the insurer resulting in justified compensation.
Rights of recourse
Standard or Extended Liability claimants have no right of recourse to the Insurance Ombudsman Service.
Pickfords is regulated by the Financial Services Authority for the sale of removals insurance, which allows the claimant the right of recourse if they feel they have been missold insurance.
Comprehensive cover
If you choose liability cover you will have to prove negligence by the moving company in order to make a claim
Pickfords' insurance will provide you with compensation if your policy does not exclude loss or damage.
Goods are replaced, repaired or compensated for (at the insurer's option)
Standard or Extended Liability cover only offers customers indemnity insurance. This means you will be compensated to the second-hand value of the goods. Your goods will not be replaced or repaired as new.
Pickfords Goods in Transit removals insurance will compensate for, replace or repair any lost or damaged goods at the insurers option, with no excess to pay