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International Moving Insurance Guide

Don’t risk your belongings. Understand exactly what’s covered—and what isn’t—when moving overseas.

Get Your Free Insured Quote

Why Insurance Matters for International Moves

International removals involve multiple handling points, ocean freight, customs inspections, and long journeys. Even with professional movers, accidents can happen.

Over our 16 years matching customers with certified movers, we’ve seen too many people assume they’re covered—only to discover their policy pays just £200 for a £2,000 sofa because they chose the wrong insurance.

This guide explains exactly what you need—and how to avoid common pitfalls that void your coverage.

International moving insurance documents and coverage explanation

Types of International Moving Insurance

Not all insurance is equal. Here’s what you’ll encounter:

❌ Basic Weight-Based Cover

What it is: Included by default in most quotes. Pays £10–£20 per kilogram of damaged goods.

Why it’s risky: A 50kg TV worth £1,200 might only get £500–£1,000 compensation—even if fully destroyed.

When it’s offered: By unaccredited movers or as a “free” baseline option.

Avoid this unless you have no valuable items.

✅ All-Risks Insurance (Recommended)

What it is: Covers full declared value against accidental damage, loss, fire, and theft during transit.

Typical cost: 2–4% of declared value (e.g., £200–£400 to insure £10,000 of goods).

Excess: Usually £100–£250 per claim.

Requirement: Professional packing by certified movers (self-packed items often excluded).

This is what BAR & FIDI movers provide as standard.

What’s Included in Proper International Moving Insurance?

Accidental Damage

Breakage, scratches, water damage during sea freight

Fire & Natural Disasters

Coverage during transport and temporary storage

Theft & Loss

If items go missing during transit or customs

What’s NOT Covered (Common Exclusions)

Why BAR & FIDI Certification Guarantees Better Insurance

Choosing a certified mover isn’t just about quality—it’s about financial protection.

BAR Overseas Requirement

All BAR Overseas members must carry:

  • Minimum £10 million professional indemnity insurance (please confirm with the movers)
  • Goods in transit cover meeting industry standards
  • Membership in the Furniture Ombudsman — legal recourse if claims are denied unfairly

FIDI-FAIM Audit Standards

Ernst & Young audits verify:

  • Insurance adequacy for international shipments
  • Claims handling procedures
  • Staff training on documentation and valuation
  • Financial stability to pay large claims
Key takeaway: If your mover isn’t BAR or FIDI certified, there’s no independent verification of their insurance. You could be left with an uninsured broker and no recourse.

How to Make a Successful Insurance Claim

Follow these steps to avoid denial:

  1. Inspect immediately on delivery — note damage on the delivery paperwork before signing
  2. Take photos of damaged items and packaging
  3. Contact your mover within 48 hours — delays can void claims
  4. Provide proof of value — receipts, bank statements, or pre-move photos
  5. Keep damaged items until the claim is settled

Our BAR-certified partners handle claims directly—no third-party insurers to fight with.

Get Fully Insured International Removals

All our matched movers provide £10M+ insurance as standard. No hidden gaps.

Get Your Free Insured Quote
16+ Years
in international removals
850,000+
customer enquiries handled
BAR & FIDI
Certified partners only
Insurance coverage per move