What Transit Insurance Actually Covers
Transit insurance covers loss or damage to your goods while they are being moved — during packing, loading, transport, and unloading. It typically covers:
- Accidental damage (drops, collisions, toppling)
- Fire and natural calamities during transit
- Theft of the consignment
- Total loss (truck accident, etc.)
It does not cover: pre-existing damage, damage to items you packed yourself (usually), jewellery/cash/documents, or mechanical failure of appliances without visible external damage.
What Does It Cost?
Transit insurance typically costs 1–3% of the declared goods value. Example: declare ₹3 lakh for a 2BHK household → premium ≈ ₹3,000–₹9,000. Poonia Movers includes transit insurance up to ₹10 lakh with every move — confirm the coverage amount in your written quote.
How the Claim Process Works
- Note damage at delivery: inspect goods as they're unloaded; mark any damage on the delivery receipt before signing.
- Photograph everything: damaged item, packing condition, and the delivery note.
- File within 7 days: most policies require prompt written intimation.
- Survey: the insurer may appoint a surveyor for large claims.
- Settlement: based on declared value minus depreciation (electronics depreciate fastest).
When Is It Worth It? (Almost Always)
Skip insurance only if your total goods value is very low (a few thousand rupees). It's worth it when:
- You're moving intercity — longer transit = higher risk
- You own expensive electronics (LED TVs, high-end appliances)
- You're shifting a full 2BHK+ household
- Monsoon season moves (water damage risk)
The premium is a fraction of one broken TV's cost. See full shifting charges — insurance included.
Frequently Asked Questions
No, it's optional — but strongly recommended for intercity moves and households with valuables. The cost (1–3% of declared value) is small compared to the risk.
Pre-existing damage, jewellery/cash/documents, items packed by the customer (usually excluded), and internal mechanical failure without external damage.
Note the damage on the delivery receipt before signing, photograph everything, and file a written claim within 7 days. Keep your original quote and inventory list as proof.
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