Package Insurance Explained – Protect Your Shipments Today

How Package Insurance Works

First, you choose a value for the items you’re sending. The insurer uses that number to calculate the premium – usually a tiny fraction of the total. If something goes wrong, you file a claim, show proof of loss or damage, and the insurer pays you up to the insured amount. Most policies cover theft, breakage, and even mis‑delivery.

Claims are straightforward. You’ll need the original receipt, photos of the damage, and the waybill or tracking number. The carrier, like Dex Removals, often helps by providing the required paperwork. The whole process can be done online, and many insurers settle within a week.

Choosing the Right Coverage

Start by estimating the real worth of what you’re moving. Don’t just guess; check receipts or market prices. If you’re shipping antiques, electronics, or fragile glass, think about extra protection for each item. Some insurers let you add a “fragile” clause for a few pennies more.

Compare a few providers. Look at the claim payout speed, the deductible (the amount you pay before insurance kicks in), and whether the policy covers the whole journey – from your door to the destination doorstep. Dex Removals offers its own insurance options, but you can also pick third‑party policies if they give better rates.

Remember, not every item needs full coverage. For low‑value boxes, a basic policy may be enough. For high‑value shipments, consider insuring the full declared value. It’s cheaper to be precise now than to deal with a denied claim later.

Another tip: pack smart. Good cushioning, sturdy boxes, and sealed tape reduce the chance of a claim. Most insurers look at how items were packed when deciding payout, so a well‑packed box can speed up approval.

If you’re moving house or business, bundle your insurance with the removal service. Many movers, including Dex Removals, bundle insurance into the quote, making it a single payment. This can save time and sometimes money.

Lastly, keep records. Store photos of the packed items, receipts, and your insurance policy in a digital folder. When the delivery arrives, check everything right away and note any issues. Quick reporting makes the claim smoother.

Package insurance isn’t a luxury; it’s a practical safety net. Whether you’re sending a single parcel or a full house load, the right coverage stops a bad surprise from turning into a big loss.