Why insure your international removal?

When you book your international removal with us, we strive to provide you with the best possible service. We will take care of your household and personal items and pack them carefully. However, as you know, international removals are complicated operations. Your belongings are traveling by air, road or sea, and we cannot prevent external factors to affect the process.

Although rare, problems can arise, since there are several risks involved during each step of the journey. In international transports, goods are subjected to possible damage, even if we have packed them carefully and planned every step to the last detail.

Transport companies have limited liability in case of damage, and for that reason, it is recommended that you obtain an additional insurance coverage. This will ensure that you are covered in the unfortunate case of loss or damage.

What does the insurance cover?

Your insurance will cover household goods and regular personal belongings including – where required – private cars, motorcycles, boats.
Travelcargo International Removals works in cooperation with the specialized insurance company for the logistics industry, Oskar Schunck GmbH & Co,as part of their International insurance program for international removals with high quality standards.

Please be aware that insurance is an additional service, so insurance fees are not automatically included in our removal transport and they are always quoted separately to you.

What kind of insurance can you choose?

If the goods have been packed professionally by us or another moving company accredited by Travelcargo International Removals,  you may choose to have a Full Coverage insurance ( ICC A), either with Comprehensive Cover or Superior Cover. If you decide to pack your items yourself, you are entitled to a Basic Coverage insurance ( ICC C).

The Basic Coverage Insurance,  offers a limited coverage based on Institute Cargo Clause ICC (C) terms. The insurance covers goods that the moving company has not packed. The insurance covers only specific risks such as traffic accidents, fire, theft and total loss.

The Comprehensive Cover offers coverage based on All Risks listed by the Cargo Clause ICC (A) terms. Additionally, this insurance covers damage, breakage and partial damage. With this coverage, transport-related storages costs are also covered up to 120 days, as well as glass items, antiques and chinaware.

The Superior Cover offers you all the coverage that the Comprehensive cover does, plus some extra clauses: you are entitled to claim for compensation for pair and sets, depreciation in value, consequential loss, pure financial loss and it has waiver for underinsurance (these sums are limited).

As a general rule, we will provide you with a rate on our quote based on the Comprehensive Cover. If you wish to upgrade or decrease your coverage, you may inform us. Premiums will be calculated on the total value declared as:




BASIC 2,5 %





Details of the individual covers are available upon request.

Please note: Motor cars, motor bikes and pleasure boats are only insured for depreciated value and a deductible franchise of EUR 100.00 shall apply to claims to these items. Premiums are calculated differently for these items.

How to calculate the value of the goods?

List the items that you are bringing and the estimated value in the insurance form. It is important that you try to calculate the value of your belongings as accurate as possible. Value is set as current price.  Overpricing the goods would only result in unnecessary high costs for you and underpricing the goods would not give you full compensation in the unfortunate event of loss.

You may insure your goods according to their replacement value, (new for old). In practical terms this means that you would try to estimate/investigate what would be the costs of buying the same or similar items at your destination. If for some items this is not possible, try to estimate the costs of purchasing the same item(s) at origin, plus the freight costs.

You are required to provide a valued inventory list, otherwise the insurance company will apply a surcharge. You may use our insurance form for that, if you wish. Remember that every item should appear on the form. You should provide as much detail as possible and always declare your high value items.

Are there any exceptions?

Which items are excluded from the insurance?

Livestock, plants, cash, negotiable documents, stamps, shares, documents, jewelry, coins, precious stones, pearls, minted and unminted precious metals and similar valuable articles

What loss or damage is not insured?
In addition to the exclusions established by the Institute Cargo Clauses:
  • Loss and damage resulting from the nature of the removal goods or their deficient condition, such as glue loosening; cracking and dulling of the finish; damage to upholstery due to perished material; absorption of odors; inherent vice; and the breakage of filaments and leakage, unless these are the direct result of a risk insured according to the INSTITUTE CARGO CLAUSES(B).
  • Mechanical, electrical and electronic derangement, unless as a direct consequence of external physical damage.
  • Breakage, denting, scratching and chipping of articles packed by the owner.

How to make a claim?

In the unlikely event that your goods are lost in transit, we will assist you with the claim, and help you as much as possible during the process.

When your belongings are delivered to your final destination, we encourage you to check carefully that all the items have been delivery, and to go through them, to notice any visible damage and inform the delivery staff on site. Make sure any incidence is registered into the delivery documentation.

If during the following days you notice any other damage that was not reported during delivery time, you should notify it in writing within 30 days from delivery day.

Where can I find more information?

As with all the documents regarding your international removal, we recommend you to go through all the information. Read carefully your insurance terms and request further explanations, if needed.
Copies of the Institute Cargo Clauses – ICC -terms are available upon request.





Disclaimer: Please remember that the information presented in this document is intended for informative purposes only. It may be wrong or outdated, and under no circumstances may it be considered binding. For full information regarding your insurance please read your insurance policy and terms.

At Travelcargo International Removals, the safety of our customers and employees is our first priority and we’re doing everything we can to ensure it during these difficult times. We are following striclty the recommendations of the Finnish institute for health and welfare, and taking active steps to protect our staff and customers from the spread of the virus.

In Finland, we are currently fully operational, but many countries have enforced lockdowns that impacts the handling of removals and transports. If you are planning on moving abroad, fill out our quotation request and we will study your case and provide you with the best possible solution. If you have already a booking with us in the near future and have some concerns/doubts, please contact your Move manager.

We are confident that we will get through this together as a community. It is important that we all play our role in trying to prevent the spread of the virus and act in accordance with government recommendations. Stay safe!