TRANSIT INSURANCE NOTES. FURNITURE REMOVALS.
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A LTHOUGH the bulk of the .1-3.furniture-removal business is in the hands of specialists, many hauliers have an occasional removal to handle. All those concerned should bear the following points carefully in mind:—
The. normal goods-in-transit policy insures only against breakage of glass and china and scratching or bruising of fur. niture, where this damage results from the vehicle being involved in a collision. Again, loading and unloading are covered, but not that picking up and putting into place which is really the longest and most dangerous part of the handling of a removal.
Finally, any haulier who undertakes a removal at his own risk will be well advised to obtain a statement in writing from the householder, giv. ing the exact value of his property. Then a haulier is able to refer to his goods-intransit policy to see whether he is sufficiently insured to cover the value stated.
As regards the limitations in cover mentioned above, these can usually be waived on the payment of a slight additional premium. If a number of removals be handled, it will be a nuisance to go to the insurance company or broker every time, so it is the custom of the trade to effect an " all-risks " declaration policy just for removals. These policies cover all the risks mentioned above and it is necessary for a haulier merely to declare the value involved in each removal which he handles.