Despite all care, damage can occur during a move. The question then is: who pays? An overview of the relevant insurances.

The moving company's insurance

Reputable moving companies have liability insurance covering damage caused during transport through their fault. Ask before the job about the extent of cover and any deductible.

Household and liability insurance

Your household insurance generally covers your belongings, but not always moving damage. Private liability insurance covers damage you cause to third parties. Check your policies before the move.

Important: Document valuable items before the move with photos. In case of damage, you then have proof of the previous condition.

What is often not covered

Boxes you packed yourself are often excluded from the company's liability – they can't check how you packed. Very valuable items should be insured separately.

In case of damage

Report damage immediately, ideally at handover, and have it recorded in writing. Photograph the damage. The faster you react and the better you document, the simpler the settlement.

Frequently Asked Questions

Is the moving company insured?
Reputable companies have liability insurance. Ask about the extent and deductible before the job.
Are boxes I packed myself covered?
Often not, as the packing can't be checked. Pack valuables carefully or have them packed.
What to do in case of damage?
Report it immediately, have it recorded in writing and photograph it. Quick documentation eases settlement.