Complete Guide to Our Goods Insurance Service
Types of Insurance Coverage
VSR Packers and Movers offers multiple insurance coverage options to suit different needs and budgets. Our most popular option is the All-Risk Transit Insurance, which provides the broadest protection available. This policy covers your goods against virtually every risk during transit including accidental damage, breakage, fire, water damage, natural disasters, road accidents, and theft. It is the most comprehensive option and is strongly recommended for high-value shipments.
For clients seeking more affordable coverage, we also offer Basic Transit Insurance which covers major risks such as fire, road accidents, overturning of vehicle, and total loss scenarios. While it does not cover individual item breakage during normal handling, it provides solid protection against catastrophic events. Our insurance advisors help you understand the differences between each option and recommend the right coverage level based on the value and nature of your shipment.
What is Covered Under Our Insurance
Our goods insurance covers a comprehensive range of items and scenarios. For household relocations, coverage extends to all furniture, electronics, kitchen appliances, clothing, books, decorative items, personal valuables, and artwork. For office relocations, it covers IT equipment, office furniture, confidential documents, and specialized business equipment. Vehicle transport insurance covers the full declared value of cars, bikes, SUVs, and commercial vehicles against transit damage, accidents, and theft.
The insurance coverage begins from the moment our team starts packing your goods at the origin address and continues through loading, transportation, unloading, and unpacking at the destination. This means your belongings are protected during every phase of the relocation — not just while they are on the truck. For international moves, our marine transit insurance provides door-to-door coverage from your home in India to your new address abroad, including the ocean or air transit segment.
How Insurance Valuation Works
Before your move begins, our team helps you create a detailed inventory of all items being transported along with their estimated current market value. This inventory forms the basis of your insurance coverage. You declare the total value of your shipment, and the insurance premium is calculated as a small percentage of this declared value — typically ranging from 1.5% to 3% depending on the coverage type, route, and shipment nature.
For high-value individual items such as artwork, antiques, musical instruments, or designer furniture, we recommend declaring these separately with individual valuations. This ensures that in the event of a claim, each item is assessed and compensated based on its specific declared value rather than an average calculation. Our insurance team provides guidance on proper valuation to ensure you have adequate coverage without overpaying on premiums.
The Claims Process
In the unlikely event that damage or loss occurs during your move, our claims process is designed to be as straightforward and stress-free as possible. At the time of delivery, our team conducts a thorough inspection of all items alongside you. If any damage is identified, it is immediately documented with photographs and written notes on the delivery receipt. You then submit a formal claim notification to our insurance coordinator within the specified timeframe, typically 7 to 14 days from delivery.
Once the claim is filed, an independent surveyor may be appointed to assess the damage and determine the claim amount. VSR Packers and Movers facilitates this entire process — coordinating surveyor visits, providing supporting documentation, and liaising with the insurance company on your behalf. Most claims are settled within 30 to 45 days of filing, and the compensation is paid directly to you based on the declared value and the extent of damage or loss.
Why Insurance is Essential for Every Move
Many people underestimate the total value of their household or office belongings until they sit down and calculate it. A typical household with furniture, electronics, appliances, clothing, and personal items can easily be valued at several lakhs. Without insurance, any damage or loss during transit comes entirely out of your pocket. For a small premium that is usually less than 2-3% of your shipment's value, you get complete financial protection and peace of mind. At VSR Packers and Movers, we strongly recommend insurance for every move, regardless of the distance or value, because protecting your belongings is simply the smart thing to do.
