While purchasing insurance from packers and movers Allahabad
Below mentioned are a few things that one needs to keep in mind while hiring insurance from packers and movers Allahabad:
1. What is insurance:
Insurance is a sum of money or a kind of reimbursement that is provided to the insurer by the insurance agent for any loss or damage suffered due to the negligence of the a company against whom the insurance is taken or due to any specific reasons like theft, loss, breakage etc that has been specifically mentioned in the insurance contract. In case of packers and movers, the customer is offered an insurance cover against the payment of a specific amount against the services being provided by the movers. Such services will include packing, moving, loading, unloading, storage, transportation etc.
2. What all should be included in insurance:
An insurance contract should include protection against any unforeseen circumstances. Usually the contract will provide you cover against any loss, damage, breakage, pilferage, theft, accident etc causing any loss to the property entrusted with the packers and movers Allahabad. Most of the contract will not provide you cover in case the damage is caused due to act of god like flood, earthquake etc. A few companies will provide you insurance cover in case there is any damage caused to the goods due to war, riots etc.
3. What are the different types of insurance:
There are mainly two types of insurance, the first one being the insurance based upon the weight of the goods. This is the cheapest form of insurance in which the client is supposed to disclose the approximate weight of the goods and the cover is bought accordingly. In such kind of insurance, the packers and movers Allahabad will be liable only to the value of the goods based upon the weight and hence will not reimburse the whole of the good for you. In case of the second kind of insurance, in which the cover will be bought after disclosing the total value of the goods, the packers and movers in Allahabad will be liable to reimburse the whole value or replace or even repair the good in case of any damage. This is a more expensive kind of insurance however, it is sensible to pay more for your insurance contract and cover the goods fully rather than going in for the bare minimum reimbursement.
4. Do in need to take special insurance:
In case of a family heirloom or any other valuable goods, it is always wise to go in for special insurance. It might turn out to be expensive, however, it is always better to be safe than sorry!
5. Third party insurance:
Other than the above mentioned insurance covers, the movers and packers in Allahabad also provide third party insurance. Third party insurance is when another party is roped into the contract for a certain amount. In case the packers and movers suggest you a third party insurance, one must insist upon knowing the full details of the third party that will be roped into the contract.
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