When hiring a moving company in Kenya, one crucial factor to consider is whether the company has insurance coverage. Insurance can make the difference between a stressful, costly experience and a smooth, secure relocation. Many people assume all movers are insured, but that is not always the case. Understanding the types of insurance available and how they work is essential.
General Practices in Kenya
In Kenya, professional moving companies typically offer some form of liability insurance. However, the scope and terms of this insurance vary greatly. Some small or informal movers may not offer any insurance at all, so it’s vital to ask upfront and verify coverage.
Reputable moving companies will clearly outline their insurance policies, whether basic or comprehensive. Some also offer additional insurance plans at extra cost, especially for clients with high-value items.
Types of Insurance Offered
- Basic Liability Coverage
This is often included in the moving contract. It provides minimal coverage, usually calculated based on the weight of the items rather than their value. If an item is damaged or lost, the payout may be insufficient to cover its actual worth. - Comprehensive Coverage
Also known as full-value protection, this type of insurance offers repair, replacement, or compensation based on the declared value of the item. Clients may be required to declare high-value items prior to the move and may need to pay a premium for this service. - Third-Party Insurance
Some customers choose to buy insurance from independent providers. These policies often offer better protection and more flexible terms. This option is ideal for long-distance moves or when transporting expensive goods.
How Insurance Works During a Move
If an item is damaged or goes missing during the move, the insurance policy determines whether and how the client will be compensated. Typically, the following steps are involved:
- Document the damage or loss
- File a formal claim with the moving company
- Submit photos, receipts, or an inventory list
- Wait for the evaluation and resolution
The timeline for resolution can vary, and some disputes may require negotiation or mediation.
Verifying Insurance Coverage
Before hiring a moving company, ask for proof of insurance. Request documentation detailing:
- Type of insurance offered
- Coverage limits
- Items included and excluded
- Procedures for filing a claim
Make sure to read the fine print and understand your responsibilities, such as reporting damage within a certain time frame.
Why Insurance Matters
Insurance offers peace of mind and financial protection. Moving inherently involves risk. Items may be dropped, broken, or lost in transit. Having a safety net ensures you won’t bear the full financial burden of any mishaps.
Red Flags to Watch For
- The mover avoids discussing insurance
- No written policy is provided
- The company has no website or registered business information
- Extremely low quotes with no mention of liability
These are signs that the company may be operating informally or cutting corners.
Licensing and Insurance
Licensed moving companies in Kenya are more likely to carry proper insurance. Ask for their business registration details, and check if they belong to professional associations like the Kenya International Freight and Warehousing Association (KIFWA) or similar bodies.
Yes, many moving companies in Kenya do have insurance, but the type and quality of coverage vary. Before committing to a mover, ask detailed questions, request documentation, and consider additional coverage if needed. Understanding your insurance options is key to a stress-free moving experience.