You generally have three options to get transit insurance cover:
1. Through contents insurance
Some contents insurance policies do provide cover if your goods are damaged by a road accident in transit to your new home. However, exclusions and conditions may apply. For example, your policy may not cover your items if you use what is seen as a ‘non-professional’ removalist company, or during loading and unloading from a vehicle.
Other insurers don’t offer any transit coverage within contents insurance policies, or will only provide this additional cover if you pay an extra premium.
2. Removalist insurance
If your current contents policy does not cover your goods during a move, most professional removalists offer removalist insurance. Check that your removalist is qualified to offer you this insurance, and ask if it will cost you extra or is included in their price.
3. Standalone transit or moving insurance
If options 1 and 2 aren’t available or don’t meet your needs, consider using specialised moving and storage providers who offer transit or moving insurance. The cost will depend on a range of factors, and each policy will have different inclusions and exclusions to consider.