Insurance is expensive and so full of exclusions and excess clauses, that your best bet is to pack it properly. I suggest that insurance should be about the complete loss, destruction or theft of the consignment.
One more thing about insurance. Your remover should not seek to insist on hefty insurance premiums. There are several reasons why it is not in their interest to allow a claim through. I do not wish to upset respectable and honourable removers, but I do advise:- If you want insurance, then get your own cover.
The quote you accept must allow for sufficient time, labour, and van space to handle your property gently.
I spend so much time persuading new guys who come to work for me that it’s not about strength: - It’s about being careful - and that requires sufficent staff for the job.
A quote which is too low may result in a lack of preparation, a careless rush, exhausted staff and damage to your property.
The bottom line is:- Think about the problems - discuss them fully with prospective removers and make his job as transparent and easy as possible - pack properly with proper materials - insure yourself
Now the low price you get will also represent good value.
You can find more help at http://www.student-movers-forum.com which offers advice on all removals, specialising in reducing the cost of small moves and single items, by sharing transport, and facilitating load grouping, and return loads.
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