Insurance is the part of an international move people understand least and query most, so this is the page where we set out how transit cover actually works before you sign anything.
We connect your enquiry with a vetted international moving company from our network covering central Connecticut, and the cover terms come to you in writing with the quote.
Goods clear at a north east port after a short Atlantic crossing, then travel a modest distance inland to central Connecticut. It is one of the shorter chains available.
Insurance and customs are separate systems that people routinely confuse. Duty free entry depends on how long you owned and used the goods. Insurance cover depends on what you declared them to be worth. A shipment can be fully duty free and badly under insured at the same time.
For customs, effects enter free of duty where they were for your personal use, or used in a household where you were a resident, for a year, and are not intended for sale or for another person, declared on CBP Form 3299 where the goods arrive without you.
Give both figures honestly. An inventory that understates value to reduce the premium is also an inaccurate customs declaration, and the two problems compound.
Before the inventory is finalised
Room by room, at replacement cost in America rather than what you paid years ago in Britain.
A moving company from the network confirms the sailing, the clearance, the inland run and sets out the cover terms.
The quote, the excess and the exclusions all come from them in writing before you commit.
The premium is calculated from the value you declare, so an under declared shipment is an under insured one. Replacement cost in the United States is the sensible basis, not the price paid in Britain years ago.
Who packed the boxes matters too. Self packed cartons usually carry a higher excess or narrower cover, because nobody can vouch for how a box was filled once it is sealed.
New England takes short Atlantic sailings and the inland run is modest. Allow four to six weeks door to door.
From the value you declare for the shipment. Declaring less reduces the premium and reduces what you can recover, which is rarely the trade people intend.
Replacement cost in the United States, room by room. What an item cost in Britain some years ago is not what it will cost to replace in America.
Usually yes, through a higher excess or narrower terms, because the contents and packing method cannot be verified once a box is sealed.
Not always. Ask specifically, because a damaged dining chair from a set of six is a different claim depending on the wording.
Mechanical or electrical failure without visible external damage is a frequent exclusion, along with items you declared inaccurately.
Photograph anything valuable and keep receipts where you have them. Evidence gathered afterwards is much weaker.
They qualify where they were for your personal use, or used in a household where you were a resident, for one year, and are not intended for sale or for another person.
No. The moving company quotes you directly and you pay nothing to us. It is worth confirming this at the survey stage of your Hartford move.
Send the collection address, the Hartford delivery address, your date and a room by room idea of value. A moving company from our network sets out the quote and the cover terms.
A Working Member of AGM Group. Enquiries are connected with vetted FIDI FAIM certified and BAR Overseas accredited international moving companies from the network.
We are not a removal company. Your Hartford move, and the cover that goes with it, are provided by the moving company we connect you with.
Written by Darren Benjamin, Founder.