Removalist Insurance Perth — What's Covered If Something Breaks

Moving day is when your possessions are most at risk, yet many Perth residents assume their removalist automatically covers any damage. The reality is more nuanced, and knowing the difference between cover types can save you a costly surprise.

Transit Insurance vs Public Liability

Public liability covers injury or damage the removalist causes to third parties — it does not cover your furniture. What protects your belongings is goods-in-transit insurance, and not every Perth removalist includes it by default. Always ask specifically about transit cover.

What's Usually Excluded

• Items you packed yourself (many policies only cover professionally packed boxes)
• Particle-board flat-pack furniture, which often isn't covered once disassembled
• Scratches and minor dents, unless the policy specifically includes them

Before the Truck Arrives

Photograph valuable and fragile items before the move, note any existing damage, and confirm in writing what the cover limit is per item. For high-value pieces, ask whether you can declare them separately.

Check They're Established

A removalist with a real Perth depot, an ABN and verifiable reviews is far more likely to honour a claim than an operator working from a single hired truck. The cheapest movers are often the ones with the least cover.