Which insurances are essential when moving internationally?

Basic Insurance through the Moving Company for International Moves

When you move internationally, most moving companies offer a basic insurance as standard. This may seem reassuring, but the coverage is often limited and not always sufficient for valuable possessions or complex international routes. It is therefore important to understand what basic insurance entails and where the limitations lie.

What basic insurance usually covers

1. Limited compensation
   Moving companies often compensate for damage based on weight, for example, a fixed amount per kilogram. This amount is usually between €1 and €3 per kilogram.
2. Liability of the mover
   Only damage demonstrably caused by the mover is eligible for compensation. Damage due to external factors (storm, delay, customs checks) is usually excluded.
3. No or limited coverage for self-packing
   If you pack boxes yourself and damage occurs due to insufficient packaging, this is almost never covered by the basic insurance.

Limitations of Basic Insurance

• Maximum compensation often much lower than the actual value.
  Example: a 25 kg television worth €1,200 → compensation only €50 (at €2 per kilo).
• No all-risk protection.
  Damage due to moisture, theft, fire, or natural disasters is usually not covered.
• No worldwide coverage.
  Some basic insurances only apply during transport in the country of departure, not during transshipment or in the destination country.

Example Situation

A family moves from the Netherlands to Australia with a 30 m³ container.

• During transport, a cabinet is damaged, valued at €1,500.
• Weight of the cabinet: 80 kg.
• Basic insurance: €2 per kilo → compensation only €160.
• Actual damage: €1,340 loss.

In this example, the basic insurance shows its limitation, and additional or all-risk insurance is necessary.

Costs of basic insurance

• Usually included in the moving quote.
• No extra premium, unless the moving company charges a small surcharge.
• Additional insurance often costs 1% – 3% of the total value of the household goods.

Practical tips

• Always ask the moving company about the exact terms and conditions of the basic insurance.
• Check whether the coverage applies during international transport, transshipment, and customs clearance.
• Only use the basic insurance for moves with a relatively low value or when you have arranged additional coverage yourself.
• Always consider more comprehensive insurance if you are moving valuable possessions.

Jeofferte.nl and insurance comparison

Via jeofferte.nl, you can see directly in the quotes from international moving companies which type of insurance is included as standard. You can also indicate that you want more comprehensive insurance, so that you receive quotes that already include this in the price comparison. This way, you avoid surprises and know exactly how your belongings are protected.

Conclusion

A basic insurance through the moving company offers limited coverage and is often insufficient for an international move with valuable possessions. Although this insurance is usually included as standard, it rarely covers the actual damage. It is therefore advisable to consider additional or all-risk insurance. Via jeofferte.nl, you can easily compare which moving companies are transparent about their insurance options and which coverage best suits your situation.

Additional insurance possible for international moves

The standard basic insurance offered by moving companies often provides only limited protection. Especially with an international move, where transport takes longer, multiple transshipment points occur, and risks are greater, additional insurance is strongly recommended. This offers broader coverage and ensures that valuable possessions remain financially protected.

Why supplementary insurance is important

1. Extended coverage
   Where basic insurance often only reimburses a few euros per kilo, supplementary insurances offer coverage based on the actual value of the household contents.
2. All-risk protection
   Covers virtually all forms of damage or loss, regardless of the cause (except excluded situations, such as intent or negligence).
3. International transport security
   Coverage applies during loading, transshipment, storage, sea or air transport and unloading in the destination country.
4. Insurance for special items
   Art, antiques, musical instruments, electronics, or vehicles can be insured with special additional policies.

Examples of additional insurance

1. All-risk insurance
• Full coverage for damage or loss, including from external factors.
• Premium: 1% – 3% of the total value of the household goods.
2. Storage insurance
• Covers damage or loss during temporary storage, for example in ports or warehouses.
• Premium: often €50 – €150 per month.
3. Specific goods insurance
• For art, antiques, musical instruments, or vehicles.
• Often requires an appraisal report.
4. Consequential damage insurance
• Reimburses additional costs in case of delays, such as temporary furniture rental or extra accommodation costs.

Cost Estimate

• Contents worth €40,000, all-risk insured: €800 – €1,200 premium.
• Storage insurance (3 months, 30 m³): €300 – €450.
• Additional art insurance for a painting worth €10,000: €200 – €400.

Example Situations

• Moving to Canada
  Without additional insurance: a bank worth €2,000 is severely damaged. Basic compensation only €80 (weight x rate).
  With all-risk insurance: full value is paid out.
• Moving to Australia with temporary storage
  Container is in port storage for 6 weeks due to quarantine inspection. Thanks to additional storage insurance, damage from moisture is fully covered.

Practical Tips

• Create a detailed inventory list with valuations, so that the insurance precisely matches the value.
• Have valuable objects (art, antiques) appraised and insured separately.
• Check if coverage applies during all phases of transport, including transshipment and customs inspections.
• Read the exclusions carefully: often self-packed boxes are excluded from full coverage.
• Compare premiums and conditions of multiple moving companies or insurers.

Jeofferte.nl and Insurance Options

Via jeofferte.nl, you can indicate directly when requesting quotes whether you want to include additional insurance. Moving companies will then provide insight into their options and costs. This allows you to easily compare which company offers the most comprehensive protection at a transparent premium.

Conclusion

Additional insurance is not an unnecessary luxury for international moves. It offers all-risk coverage, insures valuable goods separately, and protects against damage during storage or transshipment. Although there are additional costs involved, the benefits far outweigh the risks. Via jeofferte.nl, you can quickly compare options and choose the moving partner that offers the most comprehensive insurance options.

Limitations in Moving Insurance Coverage

Moving insurance – whether it's a basic policy or an additional all-risk policy – does not offer unlimited coverage. For international moves, there are often limitations and exclusions that are important to know in advance. Only then will you know what to expect in case of damage or loss.

Common Limitations

1. Self-packed boxes
   Damage to the contents of self-packed boxes is often not reimbursed, as the mover cannot assess whether the packaging was adequate.
2. Fragile or special goods
   Art, antiques, jewelry, cash, musical instruments, or electronics are usually not covered by standard coverage unless insured separately.
3. Natural disasters and force majeure
   Damage due to war, earthquakes, storms, or floods is often excluded, unless there is an additional clause.
4. Normal wear and tear or damage from use
   Scratches or minor signs of use that can reasonably occur during transport are sometimes not considered damage.
5. Damage due to improper packaging
   If it turns out that items were not professionally packed, the insurer may refuse to pay out.
6. Storage periods
   Not every policy covers damage during (long-term) storage. A separate storage insurance is often required for this.
7. Maximum reimbursements per item
   Some insurances have a ceiling per item (e.g. €1,000), regardless of the actual value.

Example situations

• Self-packed box with crockery
  Upon arrival, the crockery is found to be broken. Because the box was not professionally packed, the damage will not be compensated.
• Moving to Australia
  A container suffers water damage during quarantine storage. The insurance only covers damage during transport, not during storage → no compensation.
• Valuable painting
  Insured under the standard policy with a maximum compensation per item of €1,000, while the value is €10,000. Without additional art insurance, €9,000 remains uncovered.

Costs versus coverage

• Basic insurance: often included for free, but with severe limitations.
• All-risk insurance: broader coverage, but often still limitations on special items or self-packed boxes.
• Additional policy: extra costs (€100 – €400 per item), but often indispensable for valuable possessions.

Practical Tips

• Read the policy conditions carefully and pay particular attention to the list of exclusions.
• Consider a professional packing service to avoid exclusions.
• Have valuable items appraised and insured separately.
• Check whether the coverage also applies during storage, transshipment, and customs inspections.
• Always ask if there are maximum reimbursements per item or per shipment.

Jeofferte.nl and transparency in insurance

Via jeofferte.nl, quotes show not only the price of the move, but also which insurances are included and what limitations apply. This prevents surprises and makes it easy to compare companies that are clear and complete in their insurance terms.

Conclusion

Although moving insurances offer important security, there are always limitations in coverage. Self-packed boxes, particularly valuable items, and damage during storage are often excluded. Only by carefully reading the policy conditions and taking out supplementary insurance where necessary, are you fully protected. Via jeofferte.nl, you can easily compare moving companies based on their insurance options and limitations, so you won't face unexpected financial setbacks.

Specific coverage per transport method for international moves

When moving internationally, the chosen transport method – sea freight, air freight, or road transport – determines the risks you face. Because the conditions vary by method, insurers often offer specific coverages tailored to the chosen form of transport. It is therefore essential to understand which coverage belongs to which method.

Sea freight

Risks

• Long transport duration (weeks to months).
• Risk of moisture and mold formation due to temperature fluctuations.
• Damage from rough loading/unloading in ports.
• Additional risks during transshipment and customs inspections.

Specific coverage

• Moisture and water damage: often only covered by all-risk policies.
• Container loss (in case of storm): often excluded with basic coverage.
• Storage in port warehouses: usually requires separate storage insurance.

Example

A container with furniture to Australia suffers water damage due to condensation. Only an all-risk insurance policy with climate guidelines will fully reimburse this.

Air freight

Risks

• Strict security checks.
• Limited packaging options due to weight requirements.
• Faster transport time, but greater chance of damage due to turbulence or frequent transshipment.

Specific coverage

• Faster claims handling due to short transit times and often immediately demonstrable damage.
• Limited coverage for fragile items unless professionally packed.
• Higher premium: often 2–4 times more expensive than sea freight insurance per kilogram.

Example

An expat transports laptops and expensive electronics by air freight to the USA. Damage occurs due to turbulence. Only through the additional "fragile transport" coverage is the value fully reimbursed.

Road Transport (Additional Leg)

International moves outside Europe often start with road transport to the port or airport.

Risks

• Theft during standstill.
• Damage during loading and unloading in narrow streets.
• Traffic accidents.

Specific Coverage

• Theft in transit: only included in comprehensive policies.
• Damage during loading/unloading: often limited as standard, extra cover required.
• Restrictions on night transports: some insurances do not cover theft at night while stationary outside a secured area.

Cost estimate per method

• Sea freight insurance (all-risk): 1–2% of the total value of the household goods.
• Air freight insurance (all-risk): 3–4% of the value, due to higher risks and faster processing.
• Additional road transport insurance: often €100 – €300 extra, depending on distance and value.

Practical Tips

• Always tailor the insurance to the chosen shipping method.
• For sea freight: request cover against moisture and climate damage.
• For air freight: have fragile items professionally packed to claim full compensation.
• For road transport: ask if theft cover also applies at night and during waiting times.
• Combine transport and storage insurance if there is a risk of delay.

Jeofferte.nl and Transport Coverages

Via jeofferte.nl, when requesting quotes, you can indicate which transport method you choose or are considering. Moving companies will then show which insurance options they specifically offer for sea, air, or road transport. This allows you to easily compare coverage and premiums per transport method and make the right choice.

Conclusion

Each transport method carries its own risks. Sea freight requires coverage against moisture and delays, air freight protection for fragile and valuable items, and road transport theft and loading damage insurance. By carefully aligning the coverage with the chosen transport method and comparing quotes via jeofferte.nl, you optimally insure your valuable belongings against international moving risks.

Insurance during storage for international moves

During international moves, it often happens that household goods need to be temporarily stored, for example, because the new house is not yet available or because containers are awaiting customs clearance at the port. Your belongings are particularly vulnerable during this period. Therefore, insurance during storage is an important addition to the standard moving insurance.

Why Storage Insurance is Necessary

1. Storage between transport phases
   Containers or boxes are sometimes stored for weeks in warehouses or port facilities. During this period, damage from moisture, fire, or theft is a real risk.
2. Limitations of standard moving insurance
   Many moving insurances only cover damage during transport, not during (long-term) storage.
3. Long-term storage when emigrating
   If you are temporarily staying in a rental property and wish to receive your furniture months later, separate storage insurance is essential.

What storage insurance covers

• Fire and water damage in the storage unit.
• Theft due to burglary of the storage facility or container.
• Damage from moisture or mold (provided the storage unit is climate-controlled and this is stated in the policy).
• Liability of the storage provider is often limited → additional insurance is needed to cover the full value.

What is usually not covered

• Damage due to insufficient packaging of goods.
• Wear and tear or aging during storage.
• Damage from natural disasters (earthquakes, floods) unless separately insured.

Cost Estimate

• Storage insurance per month: €50 – €150 for a standard household (20–30 m³).
• Climate-controlled storage: often €100 – €250 per month extra, depending on volume.
• Additional coverage for art or antiques: €100 – €300 per object, depending on value and duration of storage.

Example Situations

• Moving to Canada
  A container is in storage at the port for 2 months due to customs clearance delays. Without storage insurance, moisture damage is not covered → loss of €3,000 worth of furniture. With additional storage insurance, this is fully reimbursed.
• Within Europe
  A family stores their household contents for 6 months in climate-controlled storage in the Netherlands. Costs: €700 for storage and €400 for insurance. Result: furniture remains in perfect condition and is fully insured.

Practical Tips

• Always ask if the storage location is climate-controlled and secure.
• Check if the insurance can be renewed monthly (flexible).
• Take photos of the condition of your belongings before storage → useful for claims.
• Have valuable items insured separately (art, instruments).
• Always take out storage insurance before your belongings go into storage.

Jeofferte.nl and storage insurance

With quotes via jeofferte.nl, you can see which moving companies offer storage options and whether insurance during storage is included. You can also directly indicate that you want climate-controlled or secure storage, so that jeofferte.nl can show you the companies that can arrange this professionally and with insurance.

Conclusion

Insurance during storage is a necessary addition for international moves, especially when your belongings are temporarily stored in warehouses or containers. Without this insurance, you run a significant financial risk in case of fire, theft, or moisture damage. By comparing quotes via jeofferte.nl, you can easily choose a moving company that offers transparent and comprehensive storage insurance, ensuring your belongings are optimally protected even during the waiting period.

Insurance based on a declaration of value

For international moves, it is often not enough to rely on standard basic insurance or simple all-risk coverage. To ensure that your belongings are truly insured for their actual value, many insurance companies and moving companies work with a declaration of value. This allows you to specify the total value of your household contents and – if necessary – the value of specific items.

What is a statement of value?

A statement of value is an official document in which you declare the value of your household contents. This forms the basis for calculating your premium and determining the maximum compensation.

• You specify the replacement value per room or category.
• For special or valuable items (art, antiques, instruments, electronics), you state their specific value.
• In the event of damage or loss, payouts are based on the values in the statement, not on weight or a standard maximum.

Advantages of an insurance policy based on a stated value

1. Realistic reimbursement
   Unlike basic insurance, you will be reimbursed based on the stated replacement value.
2. Less discussion in case of damage claims
   Because the value is fixed in advance, the handling of claims is faster and more transparent.
3. Specific coverage for valuable items
   Art, antiques, and heirlooms can be included and insured separately in the stated value declaration.
4. Internationally Recognized
   Valuation certificates are used worldwide for international moving insurance and are often accepted by customs authorities.

Possible limitations

• Underinsurance: If you state the value too low to save on premiums, you run the risk of not being fully compensated.
• Overinsurance: If you state too high, you pay unnecessarily high premiums.
• Mandatory appraisal: For art or objects of high value, an official appraisal may be required.

Example Situations

• Emigrating to Canada
  A family declares the total value of their household contents as €60,000. During transport, a sofa worth €2,000 is damaged. Thanks to the value declaration, the full amount is paid out.
• Art transport to Switzerland
  A painting worth €15,000 is included in the value declaration. Damage occurs during unloading. Because the value was officially determined in advance, the insurer pays out the full value.

Cost Estimate

• Premium: usually 1% – 3% of the total declared value.
• Example:
• Contents €50,000 → premium €500 – €1,500.
• Contents €100,000 → premium €1,000 – €3,000.
• Additional appraisal costs for art or antiques: €100 – €300 per item.

Practical Tips

• Create a detailed inventory list in advance with values per room/item.
• Keep purchase receipts or have valuable items appraised to avoid disputes.
• Be honest and realistic: underinsurance offers apparent savings but can result in thousands of euros in losses.
• Ask the insurer if the valuation also applies during storage and transshipment.
• Keep a digital copy of the valuation handy during the move.

Jeofferte.nl and value statements

Moving companies that offer quotes via jeofferte.nl often work with a value statement as standard. This gives you the assurance that your belongings are insured according to realistic values. Moreover, you can immediately see in the quotes which companies offer additional support in preparing a value statement and any appraisals.

Conclusion

Insurance based on a value statement is the most reliable way to fully protect your belongings during an international move. It prevents you from being dependent on limited kilo compensations and guarantees that your items are covered based on their actual value. Via jeofferte.nl, you can easily compare moving companies that work with value statements and choose the party that transports your belongings with the right security.

Personal Responsibility for Small Valuables

During an international move, it's important to realize that not all belongings are covered by moving insurance. Small valuables – such as jewelry, cash, important documents, or small heirlooms – are usually excluded from the coverage of both basic and supplementary moving insurance. For this category, personal responsibility almost always applies: you must transport them yourself or insure them separately.

Why small valuables are often excluded

1. High risk of theft
   Small, valuable objects are difficult to trace and easy to take.
2. Irreplaceable value
   Heirlooms, jewelry, and personal documents are often unique and cannot be expressed in monetary terms.
3. Policy limitations
   Almost all policy conditions explicitly exclude jewelry, money, and important documents from moving insurance.
4. Personal responsibility according to insurers
   The idea is that these items are small enough to be carried in hand luggage or personal baggage.

Which items are considered personal responsibility?

• Jewelry (rings, watches, necklaces).
• Cash, credit cards, and bank cards.
• Important documents (passports, diplomas, deeds, insurance papers).
• Small heirlooms (photo albums, medals, personal mementos).
• Digital storage media (USB sticks, external hard drives, laptops with crucial data).

Example Situations

• Moving to the USA
  A family has jewelry and documents packed with the rest of their belongings. A box gets lost during transport. The insurer rejects the claim because jewelry and documents are excluded from coverage.
• Moving within Europe
  An expat takes passports, diplomas, and jewelry in their carry-on luggage during the flight. Despite a delay with the moving company, everything goes smoothly and all important items have remained available at all times.

Practical Tips

• Always keep small valuables with you in your hand luggage or personal bag.
• Use a fire and waterproof document bag for official papers.
• Make digital copies of important documents and store them securely in the cloud.
• For valuable jewelry or watches: consider separate valuables insurance or temporary travel insurance.
• Communicate clearly with the moving company that these items should not end up in the moving boxes.

Cost Estimate

• Fire and waterproof document bag: €30 – €80.
• Small portable safe: €50 – €150.
• Temporary valuables insurance: €100 – €300, depending on value and duration.

Jeofferte.nl and clear terms

Moving companies that offer quotes via jeofferte.nl often make it immediately clear which items you can and cannot have transported by the mover. This way, you know in advance that small valuable items fall under your own responsibility, and you can adjust your moving strategy accordingly.

Conclusion

For small valuable items during international moves, it is almost always your own responsibility. They fall outside the coverage of standard and supplementary insurance. By transporting these items yourself and – if necessary – insuring them separately, you prevent financial and emotional losses. Via jeofferte.nl, you can easily compare moving companies that are transparent about what is and isn't insured, so you can start your move with realistic expectations.

International conditions vary by country

Anyone moving internationally will not only deal with moving companies and insurers, but also with the local regulations and insurance conditions of the destination country. These sometimes differ greatly from country to country and can have a major impact on how your belongings are insured. It is therefore important to know in advance which rules apply, so that you are not faced with unpleasant surprises.

Why conditions vary by country

1. Customs Regulations
   Each country has its own rules for importing personal belongings. Sometimes you may need to submit a detailed inventory list or a declaration of value, which will affect your insurance.
2. Local Insurance Legislation
   In some countries, damage may only be handled by local insurers. This could mean that your international moving insurance is not fully valid.
3. Differences in Liability Rules
   Not every country has the same liability rules for movers. In some countries, moving companies are legally only partially liable.
4. Risk factors by country
   Climate, infrastructure, and political stability vary greatly. In countries with high risks (e.g., floods, political unrest, or poor infrastructure), insurers may charge additional premiums or exclude certain risks.

Examples of countries with specific rules

• United States
  Insurers often require that a portion of the claim be handled through an American partner. Strict customs requirements also apply to the inventory list.
• Australia and New Zealand
  Very strict quarantine regulations apply here. Damage caused by inspection or cleaning is sometimes excluded from standard coverage.
• Switzerland
  Customs duties apply to certain goods upon import. These additional costs are usually not covered by moving insurance.

• Brazil and some African countries
  Higher premiums due to increased risk of theft and delays in ports.

Example situation

A family is moving from the Netherlands to Australia. Upon arrival, their furniture must be disinfected due to quarantine regulations. During this process, a wooden cabinet is damaged. The international insurance does not cover this, as damage due to customs inspection in Australia is excluded.

Costs and consequences

• Additional premiums: insurers may charge surcharges for high-risk countries.
• Limited coverage: some countries exclude damage during customs inspection by default.
• Local obligations: in certain countries, you must take out an additional local insurance for full coverage.

Practical Tips

• Ask the moving company in advance about country-specific restrictions in the insurance.
• Check if your international insurance works with local partners in the destination country.
• Always make a detailed inventory list, including values, to ensure smooth customs formalities and claims.
• Prepare for additional premiums in countries with high risk or stricter regulations.
• Consider additional insurance, such as for quarantine inspections or storage in the destination country.

Jeofferte.nl and international insurance conditions

Via jeofferte.nl you can easily compare moving companies that have experience with moves to your specific country of destination. These companies are familiar with local regulations and can immediately indicate which additional insurance conditions apply. This way, you know in advance what to expect and what extra coverage is needed.

Conclusion

The international conditions for moving insurance vary by country and directly affect your coverage. Customs procedures, local legislation, and risk factors mean that not every insurance policy applies the same everywhere. By informing yourself well in advance and comparing quotes via jeofferte.nl, you choose a moving company that takes into account the regulations in your new country of residence and optimally insures your belongings.

Check if your current policy is valid for international moving

Many people think that their existing contents or travel insurance automatically provides coverage during an international move. In practice, this is often not the case. The terms of your current policy may be severely limited, especially for sea or air transport, or when storage in another country is involved. Therefore, it is essential to check before moving whether your current policy is valid.

Why this is important

1. Limited validity of standard policies
   Most home contents insurance policies only apply to your current address and stop as soon as you move.
2. Exclusion of international transport
   Damage during sea or air transport is almost never covered by a regular policy.
3. Limited travel insurance
   A continuous travel insurance sometimes covers hand luggage, but not complete home contents.
4. Preventing double coverage
   By checking your current policy, you prevent being doubly insured for certain risks.

What to look for in your current policy

• Duration of coverage: does the insurance still apply during the move or does it stop at your old address?
• Coverage during transport: are there clauses for damage during the move?
• International validity: is the policy valid outside the Netherlands or the EU?
• Storage periods: does the insurance cover temporary storage of your belongings?

Example Situations

• Domestic Move
  A family assumes their home contents insurance covers damage during the move. A cabinet is damaged during transport, but the insurer rejects the claim: moving was excluded.
• International Move to Canada
  An expat relies on their ongoing travel insurance. During sea freight, a container is damaged by water damage. The travel insurance covers a maximum of €1,500 for luggage, while the total damage amounts to €20,000.

Costs and Solutions

• Review of current policy: free, just request it from your insurer.
• Policy adjustment: sometimes possible with an international moving clause.
• New moving insurance: often necessary, costs 1–3% of the value of the contents.

Practical Tips

• Contact your insurer well in advance of the move to get the coverage confirmed in writing.
• Explicitly ask about international transport, storage, and transshipment.
• Take out supplementary moving insurance through your moving company if necessary.
• Ensure that your current policy is properly terminated as soon as the new insurance takes effect, so you don't pay double unnecessarily.
• Keep in mind that some insurers require you to submit a declaration of value or inventory list.

Jeofferte.nl and insurance security

Via jeofferte.nl, you can immediately see in quotes whether moving companies offer additional insurance. This makes it easy to determine whether your current policy is sufficient or if you need to take out new moving insurance. This way, you prevent gaps in coverage and know for sure that your valuable belongings are protected worldwide.

Conclusion

Checking your current policy is a crucial step when moving internationally. Household contents and travel insurance rarely offer full coverage during transport and storage. By checking in time, you avoid disappointments and unnecessary double insurance. With quotes via jeofferte.nl, you can quickly find moving companies that will advise you on additional coverage and give you complete peace of mind during your international move.

Compare insurance options from multiple providers

When moving internationally, the risks are greater than during a local move. Long-distance transport, handling in ports, and customs checks increase the likelihood of damage or delays. Therefore, good moving insurance is essential. Because the terms and premiums vary greatly by provider, it is wise to compare multiple insurance options side-by-side. Only then will you gain insight into price, coverage, and any limitations.

Why Comparing Pays Off

1. Large premium differences
   Premiums are usually between 1% and 3% of the total value of the contents, but with some providers, you pay considerably more for the same coverage.
2. Differences in coverage
   While one insurer only covers transport, another also offers protection during storage, transshipment, and customs inspections.
3. Exclusions vary by provider
   Self-packed boxes, art, or electronics are excluded by default with some insurers, while others do offer coverage with additional clauses.
4. Claims Handling
   It's not just coverage that counts: the speed and transparency of claims handling also vary greatly.

Example of differences between providers

This example shows that the cheapest option often offers the least certainty, while a slightly higher premium provides significantly more protection.

Example Situation

A family moves to Australia.

• They first opt for the cheapest insurance (basic, €600). During transport, their €2,000 sofa is damaged. The compensation is only €150.
• With another provider (all-risk, €1,200), they would have received the full value of the sofa back.

The saving of €600 in premiums ultimately led to a loss of €1,850.

Practical Tips for Comparing

• Always request at least three quotes for moving insurance.
• Don't just look at the premium, but especially at exclusions and maximum reimbursements.
• Check if the insurance also provides coverage during storage and customs inspections.
• Look at the reputation of the insurer or moving company regarding claim handling.
• For valuable items: check if additional appraisal and separate coverage are possible.

Jeofferte.nl and insurance comparison

Via jeofferte.nl you can easily request multiple quotes from moving companies that offer insurance options. This way, you can see at a glance which parties offer basic coverage, which offer all-risk packages, and which additional insurance options are available. This helps you not only to choose the right price-quality ratio, but also an insurer or moving company that suits your risk profile.

Conclusion

Comparing insurance options from multiple providers prevents you from having insufficient coverage or paying unnecessarily too much. By critically examining premiums, conditions, exclusions, and claim speed, you choose the insurance that best suits your international move. With the help of jeofferte.nl, you can easily compare options and find a moving company that optimally insures your valuable possessions worldwide.