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Insurance

Whybirds International complements careful moving services with comprehensive insurance options for domestic and international moves.

Every precaution is taken when moving and transporting your goods, however we do recommend purchasing insurance for your peace of mind.
We have compiled a range of information on transit insurance and relocation cover options for further assistance.

How do I select the amount to be insured?

It is important that you insure your goods for their full value. This means that you should tell us about:
For Replacement Cost Cover - The cost to you to purchase new replacement items of the same type and quality (with no allowance for depreciation).
For Market Value Cover - Replacement cost less an allowance for age, condition, wear and tear, and depreciation.
If you have selected the "Easy Valuation" insurance option using the recommended minimum insured meterage values (AU$1,800 per m3 for consignments within Australia or AU$3,000 for overseas consignments), you should carefully consider if the amount(s) is/are sufficient for your goods. We recommend you seek independent advice to the value of your goods if you are in any doubt.
If the declared value of the goods is less than 80% of their actual value at the time of the loss or damage, the amount of the claim will be reduced in the same proportion as the declared value bears to 80% of the actual value.

Plan

If Items are lost or totally destroyed

If Items are damaged and can be repaired

Breakage

Scratching

Chipping

Denting

Fire and Flood

Theft and Pilferage

Non-delivery

Items that are for part pairs and sets

Mechanical or electrical derangement

Normal Atmospheric (mould and mildew)

Easy Valuation

You receive the equivalent replacement value

You receive the reasonable cost of repair or restoration up to the equivalent replacement value

Full Cover

You receive the equivalent replacement value

You receive the reasonable cost of repair or restoration up to the equivalent replacement value

Restricted Cover

You receive the equivalent replacement value

You receive the reasonable cost of repair or restoration up tothe declared value

Only if the cause of the damage is one of the listed perils

Only if the cause of the damage is one of the listed perils

Only if the cause of the damage is one of the listed perils

Only if the cause of the damage is one of the listed perils

Depending on the Basis of Settlement selected by the customer and shown in the certificate of insurance, if loss or damage occurs as a result of an insured risk, the insurer will pay, up to the declared value of any item (and subject to the restrictions set out below):

Replacement Cost
In the event of damage, the reasonable cost of repairs or restoration will be paid. For any items totally lost or destroyed, full replacement cost is paid, provided that such items are no more than 10 years old or have been specifically declared and valued on the insurance declaration or removal contract.

Regardless of what Basis of Settlement is selected, the insurer will only pay market value for the following items:

  • Goods more than 10 years old, or which have not been declared
  • Computers and computer accessories
  • Clothing
  • Motor vehicles, caravans, boats and trailers.

Market Value
In the event of damage, the reasonable cost of repairs or restoration will be paid. For any items totally lost or destroyed, their replacement cost is paid, less a reasonable allowance for age, condition, wear, tear and depreciation.
Excess
The amount that you receive for a claim will be reduced by $200. This is known as an excess.
KMB P/L trading as Whybirds international is an authorised representative of Cowden (VIC) Pty Ltd which holds Australian Financial Services Licence No 245658.

Frequently Asked Questions

I am only moving a few items, do I need insurance?

Even if you are only moving a few boxes, you should still consider taking out insurance.

Can I be insured if I pack my own boxes?

Because your belongings have not been packed by a removalist, our policy excludes the contents of these cartons in the event of any damages/breakages. Owner packed cartons can only be insured for Restricted Cover, which provides cover for the following risks only:

  • Fire and explosion
  • Lightning or flood
  • Overturning and/or derailment of conveyance
  • Collision of vessel, aircraft or conveyance
  • Crashing or forced landing of aircraft; stranding, sinking, or contact of vessel with any external object other than water Entry of water into any vessel, hold, container, lift, van or place of storage.

Non-delivery of owner packed cartons is limited to AU$500 unless an itemised valued list of contents is supplied prior to the commencement of the transit.

Should I take insurance while my possessions are in storage?

Yes. We can arrange an extension of your transit insurance to cover your belongings while they are in storage with us. The storage extension cover is available anywhere in Australia or for storage at any of our nominated agents worldwide.

I’m not sure I should bother with insurance.
Shouldn’t my home and contents insurance cover it? Or your insurance?

Ultimately, it is your decision. There are many circumstances for which we, as your remover, may not be liable to make good any loss or damage to your belongings; this is why we strongly recommend you take out transit insurance. If you think you don’t need insurance, you should ask yourself why you would insure your belongings in your house (where there is low risk), and not when they are moving – moving can be a high risk situation. You should certainly check with your home and contents insurer to find out if your existing policy covers the transportation of your possessions. Speak to your moving consultant, download our insurance documentation or contact us for more information.

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