When planning a move, one of the key concerns for homeowners and businesses alike is the protection of valuable items such as electronics, jewelry, antiques, and collectibles. In Kenya, moving companies offer varying levels of insurance, and it is important to understand what is covered and what steps to take to secure adequate protection for high-value belongings.
Types of Insurance Offered
Moving companies in Kenya typically provide two types of insurance:
- Basic Liability Insurance: This is often included in the moving fee and offers limited protection. Compensation is usually based on the weight of the item, not its actual value. For example, if a high-end laptop is damaged, the compensation may be far less than its market value.
- Comprehensive (Full-Value) Insurance: This covers repair, replacement, or cash reimbursement based on the declared value of the item. It may be included in premium packages or purchased as an add-on.
In many cases, clients are encouraged to declare high-value items beforehand. Some movers require these declarations in writing or through an inventory checklist.
Declaring High-Value Items
To ensure that valuable items are fully covered:
- Provide an itemized list of valuables before the move.
- Include estimated values, original purchase receipts, or appraisals where possible.
- Highlight fragile or rare items requiring special handling.
Failing to declare high-value items in advance may void potential compensation claims.
Custom Packing and Handling
Reputable movers offer special handling services for valuables. This includes:
- Custom crating or foam-in-place packaging
- Bubble wrapping, shrink wrapping, and padding
- Securing items in isolated compartments in the moving truck
Some companies may charge extra for these services, especially for fragile items like glassware, electronics, and artwork.
Third-Party Insurance Options
If a moving company’s insurance is insufficient, clients may purchase additional coverage from third-party insurers. These policies often provide:
- Higher coverage limits
- Better claims processes
- Coverage for rare or high-end items not typically covered by standard policies
Insurance providers such as APA Insurance, Jubilee Insurance, and others in Kenya offer personal property coverage that can extend to moving scenarios.
Items Commonly Covered Under Valuable Item Insurance
- Laptops and desktop computers
- Televisions and sound systems
- Jewelry and watches
- Antiques and artwork
- Designer clothing and accessories
- Kitchen appliances
Note that cash, firearms, and perishable goods are usually excluded.
Limitations and Exclusions
Before finalizing your moving agreement, read the fine print. Some common exclusions include:
- Damage due to improper packing (if you pack the item yourself)
- Items not declared in advance
- Natural disasters or civil unrest
Always clarify whether the mover is responsible for loss or damage during transit, storage, or both.
Filing a Claim
In the event of damage or loss:
- Notify the moving company immediately
- Provide documentation (photos, receipts, and damage reports)
- Fill out a claims form as required
Most claims should be filed within a specified timeframe, often 48 to 72 hours after delivery.
Tips for Protecting Valuable Items
- Take photos before and after the move
- Use your own locks for boxes containing valuables
- Transport extremely valuable items (e.g., jewelry or confidential documents) personally
- Read and understand the insurance policy offered by the mover
Most movers in Kenya provide basic insurance, but coverage for valuable items often requires additional measures. To ensure your high-value items are adequately protected, declare them in advance, consider purchasing extra coverage, and choose movers with a reputation for careful handling. A little preparation goes a long way in securing your belongings during a move.