When planning a move, one of the most critical questions homeowners in Kenya ask is whether their belongings are insured during the relocation process. The answer is not always straightforward, as coverage varies depending on the moving company and the level of service chosen. However, understanding the typical insurance options and processes can help you protect your valuable possessions.
Types of Insurance Offered
Most reputable moving companies in Kenya offer some form of basic liability coverage. This is typically included in the cost of the move and offers limited protection. The basic insurance usually covers a small fraction of the value of the items per kilogram, and may not provide adequate compensation for high-value goods.
To address this, many movers offer additional insurance packages, often referred to as Full Value Protection or Declared Value Protection. These packages are either purchased through the moving company or from a third-party insurance provider. They cover the replacement, repair, or reimbursement of damaged or lost items based on their declared value.
What Is Covered?
Standard insurance options generally cover loss or damage caused by:
- Accidents during transportation
- Theft during the move
- Fire or natural disasters (depending on the policy)
- Handling damage caused by the moving team
However, there are exclusions. Items packed by the owner, high-value electronics, jewelry, cash, and hazardous materials may not be covered unless specific arrangements are made.
Declaring Valuables
To ensure maximum protection, clients are advised to declare valuable items before the move. A detailed inventory, along with estimated values and photographs, should be shared with the mover. This step is vital in substantiating a claim in case of damage or loss.
Some moving companies also require an itemized list of valuables and may request proof of purchase or ownership. This is especially true for electronics, artwork, antiques, and other items with high financial or sentimental value.
Third-Party Insurance
If your chosen moving company does not provide sufficient coverage, you can purchase moving insurance from independent insurance providers. These policies typically offer broader protection, including accidental damage, theft, and in some cases, coverage while the goods are in storage.
Third-party insurance is ideal for individuals relocating internationally or those moving expensive items within Kenya. Before purchasing, compare several policies to understand what is covered, the deductibles, and the claims process.
The Role of Contracts
Always read the moving contract carefully. The contract should outline:
- The type and extent of insurance offered
- The liability of the moving company
- Procedures for declaring high-value items
- Steps to follow in the event of loss or damage
This document serves as a binding agreement and provides a legal basis in case a dispute arises.
Steps to Take Before the Move
To safeguard your belongings:
- Request a Copy of the Insurance Policy: This allows you to review the terms and understand the extent of coverage.
- Create an Inventory List: Take detailed photos and list down the items being moved.
- Label Fragile Items Clearly: Ensure that boxes containing breakable items are marked.
- Discuss Special Handling Needs: Notify the movers about items that require special care.
In Kenya, while moving companies may offer basic insurance, it is essential to verify the extent of the coverage. For valuable or sentimental items, consider upgrading the insurance or purchasing a policy from a third party. Taking the time to understand your options and taking preventative measures can provide peace of mind and financial protection during your move.