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EJ Shaw Removals: Insurance

Why do I need insurance?

When you have your belongings in your house, you have them covered with a Home and Contents Policy. This policy may not cover you when your goods are in transit. When you move your goods, these risks are made significantly greater. Our Transit Insurance, is, in most instances, the most economical way to cover your goods in transit. If you think you do not need insurance you should ask yourself why you would insure your goods in your house where there is low risk, and not when they are moving into a situation, where damage is more likely to occur.

Don't removal companies have their own insurance?

Under Australian law, removal companies do not have to carry insurance. However, as part of membership qualification, AFRA members as a minimum, must have public liability insurance, third party property and motor vehicle insurance, and Fire, Flood, Collision and Overturning insurance for their own protection. This insurance does not cover your goods against accidental damage whilst in transit.

If I pack my own boxes, am I insured for losses or breakages in the carton?

Because we have not packed the goods, we can take no responsibility for the contents of the cartons in the event of any damages or breakages.

Insurance Forms and documents

If you would like to take out insurance please download and read the following:

When you have completed the Insurance Declaration, please email back as a PDF, or fax.

E J Shaw Insurance Tables
Transit Insurance
Insured Value	Full		Restricted
Insured Value	Replacement	Market Value	Replacement	Market Value
$10,000	$110.00	$73.33	$27.50	$18.33
$20,000	$220.00	$146.67	$55.00	$36.67
$30,000	$330.00	$220.00	$82.50	$55.00
$40,000	$440.00	$293.33	$110.00	$73.33
$50,000	$550.00	$366.67	$137.50	$91.67
$60,000	$660.00	$440.00	$165.00	$110.00
$70,000	$770.00	$513.33	$192.50	$128.33
$80,000	$880.00	$586.67	$220.00	$146.67
$90,000	$990.00	$660.00	$247.50	$165.00
$100,000	$1,100.00	$733.33	$275.00	$183.33
Storage Insurance - Monthly
Insured Value	Full		Restricted
Insured Value	Replacement	Market Value	Replacement	Market Value
$10,000	$5.50	$3.67	$1.38	$0.92
$20,000	$11.00	$7.33	$2.75	$1.83
$30,000	$16.50	$11.00	$4.13	$2.75
$40,000	$22.00	$14.67	$5.50	$3.67
$50,000	$27.50	$18.33	$6.88	$4.58
$60,000	$33.00	$22.00	$8.25	$5.50
$70,000	$38.50	$25.67	$9.63	$6.42
$80,000	$44.00	$29.33	$11.00	$7.33
$90,000	$49.50	$33.00	$12.38	$8.25
$100,000	$55.00	$36.67	$13.75	$9.17
Storage Insurance - Annually
Insured Value	Full		Restricted
Insured Value	Replacement	Market Value	Replacement	Market Value
$10,000	$55.00	$36.67	$13.75	$9.17
$20,000	$110.00	$73.33	$27.50	$18.33
$30,000	$165.00	$110.00	$41.25	$27.50
$40,000	$220.00	$146.67	$55.00	$36.67
$50,000	$275.00	$183.33	$68.75	$45.83
$60,000	$330.00	$220.00	$82.50	$55.00
$70,000	$385.00	$256.67	$96.25	$64.17
$80,000	$440.00	$293.33	$110.00	$73.33
$90,000	$495.00	$330.00	$123.75	$82.50
$100,000	$550.00	$366.67	$137.50	$91.67

RISKS COVERED

Where the customer has requested the removal company to insure the customer's goods, depending on the risks and period of cover and basis of settlement selected by the customer and shown in the certificate of insurance, this policy insures the customer's goods as set out below:

Full Cover insures all risks of loss or damage to the insured goods during transit from any external cause including accidental damage during packing, loading and unloading by the removal company or its representatives. However, regardless of which cover the customer selects, goods packed by the customer are insured only for restricted cover.

Restricted Cover insures loss or damage to the customer's goods during transit resulting from:

fire and explosion;
lightning, 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 liftvan or place of storage.

Additional Risks Covered In addition to the risks set out above, this policy insures the customer's goods for loss or damage caused by or as a result of:

war (sea and air transit risks) and strikes, riots and civil commotions in the terms of Institute of London Underwriters' Clauses current at the time of shipment; and
General Average and Salvage Charges adjusted or determined according to the removal contract and/or the governing law and practice, which are incurred to avoid or in connection with the avoidance of loss from any cause other than those excluded elsewhere in the policy

BASIS OF SETTLEMENT

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. For any items totally lost or destroyed, full replacement cost provided that such items are no more than 7 years old or have been specifically declared and valued on the insurance declaration or removal contract. Regardless of which Basis of Settlement is selected, the insurer will only pay market value for the following items: goods more than 7 years old or which have not been declared; computers and computer accessories; clothing; motor vehicles, boats and trailers.

Market Value In the event of damage, the reasonable cost of repairs or restoration. For any items totally lost or destroyed, their replacement cost less a reasonable allowance for age, condition, wear and tear and depreciation.

Office or Factory Goods, including Plant and Machinery For office and factory goods, including plant and machinery, the insurers will only pay: the lesser of the market value and the declared value of the goods at the time of loss; and agreed charges for insurance, packing and freight.

Pairs and Sets Where one or more articles in a pair or set (including lounge suites) are lost or damaged, the policy only covers the lost or damaged part or parts. The insurers will not pay more than a proportionate part of the insured value of the pair or set without reference to any special value which they may have as a pair or set or depreciation or loss of value.

Antique Furniture For antique furniture, the insurers will only pay the reasonable costs of repair and will not pay any depreciation or loss of value caused by the loss or damage.

Co-insurance 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 adjusted in the same proportion as the declared value bears to 80% of the actual value.

Excess The removal company must pay the first $2,000 in respect of any one claim under this policy. The customer must contribute the Customer Excess shown in the Insurance Certificate.