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When planning a move—whether it’s local, intercity, or interstate—most people focus on packing, transport, and schedules. But there’s one critical factor that is often overlooked: transit insurance. Whether you're moving a 1BHK flat, a large office setup, or valuable furniture and electronics, insurance ensures you're financially protected in case of any unforeseen mishaps during the move.
At OM International Packers & Movers, we emphasize the importance of transit insurance for every move—because protecting your belongings is just as important as transporting them.
What is Transit Insurance?
Transit insurance is a policy that covers loss or damage to goods while they are being transported from one place to another. This can include:
- Damage due to accidents
- Fire or explosion
- Natural disasters like floods or earthquakes
- Theft or pilferage
- Mishandling during loading/unloading
While professional movers like OM International take every precaution to ensure safety, some risks—especially on long-distance or highway routes—are beyond human control.
Why is Transit Insurance Important?
1. Protection Against Financial Loss
Imagine this: your LED TV or refrigerator gets damaged during an interstate move. Without insurance, you would bear the full cost of repair or replacement. With transit insurance, you can claim compensation and reduce your financial burden.
2. Peace of Mind During the Move
Moving is already stressful. Knowing that your belongings are insured and secure allows you to focus on settling into your new home or office rather than worrying about “what if something goes wrong.”
3. Accidents Can Happen Anytime
Even the most skilled drivers and best-maintained vehicles aren’t immune to accidents, bad weather, or roadblocks. Transit insurance acts as a safety net against the unpredictable nature of logistics and transport.
Types of Transit Insurance Offered by OM International
At OM International Packers & Movers, we offer two main types of transit insurance:
1. Basic Transit Insurance (Carrier Risk)
This is usually included in your moving package and covers a limited liability for goods during transportation. However, this coverage is often capped and may not fully compensate for high-value goods.
2. Comprehensive Transit Insurance (All Risk)
This is a more extensive policy that covers:
- Accidental damages
- Natural disasters
- Theft
- Fire
- Loading/unloading damages
While comprehensive insurance comes at a small additional cost, it offers wider protection and higher coverage limits, especially recommended for long-distance and high-value moves.
What Items Should You Insure?
While all items can be insured, it’s especially important to cover:
- Electronics (TVs, computers, kitchen appliances)
- Expensive furniture (sofas, beds, wardrobes)
- Antiques or artwork
- Fragile items (glassware, mirrors, chandeliers)
- Musical instruments or hobby equipment
At OM International, we help you assess the value of your belongings and recommend an appropriate insurance plan tailored to your needs.
How Much Does Transit Insurance Cost?
Transit insurance is usually 1%–3% of the total declared value of your goods. For example:
- Declared value: ?2,00,000
- Insurance premium @1.5% = ?3,000
This small cost is negligible compared to the potential loss in case of damage or theft.
How to File a Claim
In the rare event of damage or loss during the move, OM International provides end-to-end assistance in filing your claim:
- Notify us immediately upon noticing damage or missing items.
- Provide photographic evidence.
- Submit a copy of the insurance policy and invoice.
- Complete the claim form provided by the insurer.
- We coordinate with the insurance provider to help settle your claim quickly.
Our team ensures a smooth, hassle-free claim process for your peace of mind.
Common Myths About Transit Insurance
Let’s bust a few myths:
- “My movers are careful, so I don’t need insurance.”
Even with the best precautions, accidents can occur beyond human control.
- “It’s too expensive.”
In reality, it’s highly affordable and can save you thousands in case of loss.
- “The moving company’s liability covers everything.”
Most companies have limited liability unless you opt for additional coverage.
Final Thoughts: A Small Step with Big Protection
Transit insurance may seem like a minor add-on, but it’s a smart investment for a secure move. Especially for long-distance relocations like Delhi to Mumbai or Gurgaon to Bangalore, the journey involves highways, loading docks, weather changes, and multiple checkpoints. Insurance ensures your valuable items are protected from start to finish.
At OM International Packers & Movers, we prioritize both safe transport and financial safety. Our experts will guide you through every step of the insurance process—from valuation to claim settlement.
Planning a move? Talk to our team about the right insurance coverage for your next relocation.