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Goods Insurance

Complete Protection for Your Belongings During Transit

Goods Insurance

Goods Insurance

Relocation involves inherent risks — road vibrations, weather changes, and handling across multiple touchpoints. Our comprehensive transit insurance eliminates the financial worry by covering the full declared value of your household goods, office equipment, vehicles, and personal belongings against damage, loss, theft, fire, and natural disasters from the moment packing begins until the final item is placed in your new home.

We have partnered with India's leading insurance providers including New India Assurance, ICICI Lombard, and Bajaj Allianz to offer transit insurance policies that meet every budget and coverage level. Whether you are moving a 1 BHK apartment locally or shipping an entire household internationally, our insurance desk helps you choose the right policy with transparent terms, minimal exclusions, and fast claim settlement.

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What's Included

Everything you need for a smooth and hassle-free experience.

Full declared value coverage
Damage & breakage protection
Fire & natural disaster cover
Theft protection during transit
48-hour claim processing
Minimal exclusions
Packing-to-delivery coverage
Digital claim portal
Coverage Plans & What Is Protected

Coverage Plans & What Is Protected

We offer three tiers of transit insurance to match different needs and budgets. The Basic Plan covers accidental damage and total loss during loading, transport, and unloading at a premium of just 1% of declared value. It is suitable for local moves with standard household items where the risk is relatively low.

The Comprehensive Plan is our most popular option at 1.5% of declared value. It covers everything in the Basic Plan plus breakage of fragile items, water damage, theft during transit, fire, and natural disasters. This plan is recommended for interstate moves, moves involving valuable electronics, and moves during monsoon season when weather-related risks are higher.

The Premium Plan at 2% of declared value offers all-risk coverage with zero deductible and agreed-value settlement. This means you receive the full declared amount without depreciation deductions in case of a total loss claim. This plan is designed for international moves, high-value shipments exceeding ₹10 lakhs, and moves involving antiques, artwork, or collector items that cannot be easily replaced.

How Claims Work — Fast & Transparent

In the unlikely event that any item is damaged or lost during your move, our claims process is designed to be fast, fair, and hassle-free. Claims must be initiated within 24 hours of delivery by notifying our customer support team via phone, WhatsApp, or email. You will receive a claim reference number and a digital claim form immediately.

To process your claim, you need to provide photographs of the damaged items, the original inventory list showing the items declared value, and a brief description of the damage. Our claims adjuster reviews the submission within 24 hours and may schedule a physical inspection for claims exceeding ₹50,000. For straightforward damage claims below this threshold, approval is typically granted within 48 hours.

Once approved, compensation is transferred directly to your bank account within 5 to 7 working days. For comprehensive and premium plans, there is no depreciation applied — you receive the full repair cost or replacement value as declared. We maintain a 97% claim approval rate, one of the highest in the industry, because our policies are designed with minimal exclusions and transparent terms that genuinely protect your interests.

How Claims Work — Fast & Transparent
Why Insurance Is Essential for Every Move

Why Insurance Is Essential for Every Move

Many people skip transit insurance thinking that damage during a move is unlikely. While professional packers and movers significantly reduce the risk, certain factors remain outside anyone's control — sudden road potholes, unexpected weather, accidents, and rare handling incidents. A single broken television or damaged refrigerator can cost more than the entire insurance premium for your move.

Consider the math: insuring a 2 BHK household valued at ₹5 lakhs under our Comprehensive Plan costs just ₹7,500. Without insurance, replacing even a few damaged items could cost ₹20,000 to ₹50,000 or more. The peace of mind alone is worth the small premium, knowing that every item from your grandmother's antique clock to your children's favorite toys is financially protected.

For businesses, transit insurance is not just recommended — it is essential. Office equipment including servers, computers, and specialized machinery represents significant capital investment. A single damaged server could cost lakhs to replace and cause business downtime. Our business transit insurance covers the replacement value plus consequential loss, ensuring your business is protected from both direct damage and the operational impact of equipment failure.

Our Goods Insurance Process

Step-by-step approach to ensure a flawless experience.

01

Declare Value

List all items with their estimated value during the pre-move survey.

02

Choose Plan

Select Basic, Comprehensive, or Premium coverage based on your needs.

03

Get Certificate

Receive your insurance certificate before packing begins.

04

Claim if Needed

Report any damage within 24 hours for fast claim settlement.

Goods Insurance FAQ

Common questions about this service.

Insurance premiums start from 1% of declared value for Basic coverage, 1.5% for Comprehensive, and 2% for Premium all-risk coverage. For a household valued at ₹5 lakhs, the premium ranges from ₹5,000 to ₹10,000.

Standard exclusions include cash, jewelry not declared in advance, perishable items, live plants, and items with pre-existing damage. Our policies have minimal exclusions compared to industry standard, and we clearly list all exclusions in the policy document before you sign.

Simple damage claims are settled within 5-7 working days from approval. Claims requiring physical inspection may take 10-14 working days. We maintain a 97% claim approval rate with an average settlement time of 8 working days.

Yes, you can opt for item-specific insurance for high-value belongings like electronics, artwork, or antiques while keeping the rest under standard coverage. This allows you to customize your protection and optimize your premium.

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