Insurance Services for Moving in India
Move Without Fear. Every Item Insured. Every Route Covered.
Moving accidents happen — even with the best movers. A transit insurance policy protects the value of your goods if they are damaged, destroyed, or lost during a move. Vision Packers and Movers offers transit insurance through IRDAI-registered insurers for all types of moves — local, intercity, and international. The premium is small. The peace of mind is priceless.
What Is Included
- Covers damage, breakage, fire, flood, and theft during transit
- Available for household goods, office equipment, and vehicles
- IRDAI-registered insurer — all policies are legally backed
- Coverage from loading at origin to unloading at destination
- Declared value coverage — you choose the insured amount
- Policy issued before pickup — not after a claim
- Fast claims process — online claim filing supported
- Valid for local, intercity, and international moves
How It Works
1
Declare Goods Value
List your major items and their estimated replacement value. Declare the total honestly — under-insurance means partial payout on a claim.
2
Choose Policy Type
Pick Standard (accidental damage, total loss, theft) or Comprehensive (adds breakage, water damage, partial loss). We recommend Comprehensive for household moves.
3
Pay the Premium
Pay the premium online or via UPI. It is a one-time payment for the move duration — there is no monthly fee. The policy is issued the same day.
4
Receive the Policy
You receive the insurance certificate by email and WhatsApp before the movers arrive. Keep it safe — you will need it for any claim.
5
Move Covered End-to-End
Coverage starts when goods are first loaded at the origin and ends when they are fully unloaded at the destination. Every kilometer in between is covered.
6
Claim If Needed
Photograph damage immediately on delivery. File the claim online within 7 days. Submit photos, the policy number, and the inventory list. Claims are settled within 15 to 30 days.
Transit Insurance Premium Rates — 2026
Premiums are calculated as a percentage of declared goods value. Declare the full replacement value — not the original purchase price — to avoid under-insurance.
| Declared Goods Value | Standard Rate (0.5%) | Comprehensive Rate (1%) |
|---|---|---|
| 50,000 | 250 | 500 |
| 1,00,000 | 500 | 1,000 |
| 2,00,000 | 1,000 | 2,000 |
| 5,00,000 | 2,500 | 5,000 |
| 10,00,000 | 5,000 | 10,000 |
| 25,00,000+ | Custom — contact us for a quote | Custom — contact us for a quote |
Standard vs Comprehensive Transit Insurance
Choose the right policy type based on your goods and risk level.
| Coverage Feature | Standard Policy | Comprehensive Policy |
|---|---|---|
| Accidental damage during transit | Covered | Covered |
| Total loss (vehicle accident or fire) | Covered | Covered |
| Theft of entire consignment | Covered | Covered |
| Individual item breakage (glass, ceramics) | Not covered | Covered |
| Water damage from rain or flooding | Not covered | Covered |
| Partial loss or short delivery | Not covered | Covered |
| International moves | Not included | Available add-on |
Frequently Asked Questions
No, transit insurance is optional. But it is strongly recommended for any move where goods are worth more than 50,000. Most movers offer it as an add-on to their quote. Always ask before booking.
Standard transit insurance covers total loss, accidental damage during transit, fire, and theft. Comprehensive insurance also covers individual item breakage (glass, ceramics), water damage, and partial loss. Read the policy document before paying the premium.
No. Transit insurance covers damage that happens during the move — not damage that existed before loading. Photograph the condition of all valuable items before the movers touch them. This protects you if there is a dispute later.
Step 1: Photograph all damage before moving items from delivery position. Step 2: Note the damage on the delivery receipt before signing. Step 3: Contact the insurer within 7 days of delivery. Step 4: Submit photos, the policy document, and the inventory list online. Claims are typically settled within 15 to 30 days.
Declared value is the total replacement cost of all goods being moved. Use current market replacement prices, not the original purchase price. Example: a 55-inch TV bought 3 years ago for 80,000 may cost 60,000 to replace today — declare 60,000. Under-declaring to save on premium means a lower payout on a claim.
Most movers carry basic carrier liability — this is not the same as transit insurance. Carrier liability is very limited (often 100 to 500 per kg) and usually covers only provable negligence. A separate transit insurance policy gives you full declared value protection regardless of fault.
Yes. Your car or bike can be insured separately during open or enclosed carrier transport. Your existing vehicle insurance does not cover damage during road transport on a carrier — a separate transit policy is needed for this.
No. Transit insurance must be purchased before loading begins. Once goods are on the truck, no insurer will issue a new policy for that consignment. Always sort the insurance before the mover arrives.