[Simon & Emily]

Has anyone who used these been able to insure electrial items? When I rang to ask them the cost, I was told that no insurance company would ever insure against electrical derangement for goods going to NZ. Ever. Now, I know that all the shipping companies will insure against it, but at at least 3% cost.

Has anyone used them and covered electrical goods? I'm kind of hoping that I was talking to the cleaner who didn't have a clue what he was talking about ...... Otherwise it's going to have to be the shipping company insurance, paying at least twice the price, just to cover the electric goods.

Thanks,

Emily

[Smiler]

We used them last september and OH was covered for his radio gear and other stuff.

We also listed each radio and amp individualy as they cost anything from GBP650 - 1200 each to replace.

We also brought the PC & flat screens and all of our stereo equipment. That was all covered.

[Simon & Emily]

Thanks for that - I coudn't believe that anyone would not be shipping electicals over. Better try ringing again and hope that I don't get the odd job man this time ....

Emily

[Smiler]

Emily

Everything I did with them was via email, except for the actual form filling in and signing. They were very helpful all round. We only had a week to ship out in and they completed everything within that time.

Forgive me if I'm repeating myself but we also took photos of all our precious bits and sent Lettons copies with our proposal form. Came in handy ;)

D x

[Debbie]

Emily,
Friends have just used this company but they used the shipper Doree Bonner's insurance for their electrical and Letton Percival for everything else. The reason being that DB were the only company they could find, (I haven't found another) that cover derangement with out a massive premium. All the others will cover the basic loss/ damage. When I asked another removers about this his advise was 'drop your TV and make sure there is damage on the outside case if you want to claim'.
Debbie

[Simon & Emily]

I've emailed LP to ask for clarification, and await their reply. All of the shipping companies would cover it in their own - or recomended - insurance, but for an additional premium of about .5% on top of the 3% in general they charged. Robinsons, however, said they would throw it in for free.

Smiler - did any of your claims cover these electrical items? I know you had a few problems, but cannot remember what they were.

Thanks,

Emily

[Smiler]

Emily

No, everything electrical arrived intact. So we never had to test that part of the policy. :clap:clap

[Simon & Emily]

Good job you didn't have anything electical to claim for - LP do not cover electical derangement. They do, however, cover electrical goods if they do not work due to shipping damage. In effect, this means that if it's found to be damage due to being (obviously) dropped, bumped, shaken etc and an 'engineer'/ specialist will verify this then they will pay out (hopefully ;) ) But, they would be very suspicious of electical goods not working from being manhandled if nothing else in the container is damaged.

If, however, when examined they can find no physical reason for it not working, they will not pay out. They claim no insurance company will, which is probably true if push ever came to shove. One of the shipping reps - and I forget which one - did stress that electrical goods would need an repairman type bod look at it and get more info before they would consider paying out, so I suspect they are both the same at the end of the day. He then fluffed a bit, the way sales reps do so well, and moved the conversation to something else pronto.

However, LP are only charging 1.53% and the shipping co's at least 3.5% or more. You pay your money and you take the chance. Also, you have to bear in mind that LP are a professional insurance company, and bad publicity spreads very fast, whilst the shippers are doing the insurance for an extra bit (OK, a lot) of profit after taking a large sum of your cash for moving the goods themselves. If there were problems with the shippers insurance I bet they would soon distance themselves from the underwriters very quickly. And if the goods are packed properly in the first place, the only real reason for claiming would be the ship sinking, theft, dropped from the crane, etc etc, not a 'bit' of damage from them moving in the crate. In an ideal world anyway.

Emily

[Smiler]

Phew! I couldn't have stood anymore stress :laugh:laugh

I think you're right with the comparison between LP and the shipper's reps. Only one said to us he wasn't really qualified to talk about it and yes the rest fluffed around the subject and at 3.5% thats a lot to lose. But I think you would find yourself on your own dealing with the underwriters very quickly.

I'm trying to remember which forum member had their stuff, including their pc, arrive mouldy and I can't remember what happened when they claimed. :confused:

[katandbob]

We used them last september and OH was covered for his radio gear and other stuff.

We also listed each radio and amp individualy as they cost anything from GBP650 - 1200 each to replace.

We also brought the PC & flat screens and all of our stereo equipment. That was all covered.
Hi did you pack yourself or get proffesionals in?

ta Kat

[Smiler]

Hi did you pack yourself or get proffesionals in?

ta Kat

No Kat, we didn't get the professionals in.:uhoh


























We used Curtiss of Portsmouth instead. :mad:

[katandbob]

No Kat, we didn't get the professionals in.:



We used Curtiss of Portsmouth instead. :-(:

:laugh :laugh :laugh


...I am going to give the one that cargo bookers recomended a ring on tuesday as well, and a local removal co has given me a name too.

cheers

Kat

[katandbob]

Hi all, how much did you have to pay for your insurance?

I have just been quoted £102 and wondered if this was ok....
they wont insure for breakages as I have packed it all :( but I dont think theres anything thats going to break easily anyway.

Kat

[Smiler]

Hi Kat

We paid for all personal effects, car, two bikes and uncle tom cobbley et al, the grand sum of 562.28 pounds with Letton Percival @1.5%.

[jonSE]

Based on our experiences (not with LP)

Insure for total loss just in case the container falls of the ship or the ship sinks. Insuring against mechanical or electrical derangement is probably just money in the pockets of the insurance companies as the likelihod of them ever paying out is very small . Generally speaking you have to insure the whole contents of the container for m&e derangement despite the fact that there may only be say 10% of the total value in the container that could be mechanically or electrically deranged. And be very aware that almost all policies exlude m&e derangement to motor vehicles even if you paid for it. In short read the small print very carefully before you buy the insurance.

If I did it again - now knowing what you can and can't insure for in terms of M&E derangement - you have to make decision as to what you can cover yourself versus the cost of the insurance. A grand or so on insurance buys quite a lot of electronics.

I forget wha the coverage is on water damage - containers can leak and this has the potential for lots of damamge

[Milliemoo]

Hi,

L&P will insure individual items for derangement, eg: plasma TV. So if you've just got the one expensive item that you'd like the cover for, it is possible.

Don't think we'll bother though...haven't decided yet :confused:

Milliemoo

[katandbob]

Hi,

L&P will insure individual items for derangement, eg: plasma TV. So if you've just got the one expensive item that you'd like the cover for, it is possible.

Don't think we'll bother though...haven't decided yet :confused:

Milliemoo

BUT They DONT insure OWNER PACKED!

but these do.....

http://www.reason-insurance.com/ I have had a quote from A Manning insurance that was £102.20p for our 12 boxes, but this is the lowest they go, they have a cutoff point. they insured owner packed.

But Reason worked out for £74 for the same quote....they got the job, its just basic...no breakage cover, just total loss, but all insurance wont cover owner packed for brakages

Kat

[Milliemoo]

BUT They DONT insure OWNER PACKED!

but these do.....

http://www.reason-insurance.com/ I have had a quote from A Manning insurance that was £102.20p for our 12 boxes, but this is the lowest they go, they have a cutoff point. they insured owner packed.

But Reason worked out for £74 for the same quote....they got the job, its just basic...no breakage cover, just total loss, but all insurance wont cover owner packed for brakages

Kat

Hi,

LP don't insure owner packed 'items of a fragile nature' eg: china & glass but do cover for breakages of all other owner packed items.

Obviously the most likely things to break are that of a 'fragile nature' but it does mean that you'd be covered for example if your 10 x boxes of DVDs & CDs got crushed by your grand piano........could happen :p

Milliemoo

[katandbob]

Hi,

LP don't insure owner packed 'items of a fragile nature' eg: china & glass but do cover for breakages of all other owner packed items.

Obviously the most likely things to break are that of a 'fragile nature' but it does mean that you'd be covered for example if your 10 x boxes of DVDs & CDs got crushed by your grand piano........could happen :p

Milliemoo

Well LP better tell their sales guys as I rang up and only got out....I am sending 12 boxes via cargobookers which I have packed myself..........and he said sorry we dont insure owner packed!

So I said ok, so you can't help....he said NO SORRY and that was that.

Kat

[Milliemoo]

hummmm strange.... I think there's only one chap in the office that deals with reloactions overseas, because everyone I've spoken to has spoken to the same chap.

Maybe you got put through to a different department because it's just a few boxes that your sending ? The polices must be different to that of shipping a container? Possibly more risk involved when sending individual boxes rather than a locked container ? Just a thought.

Milliemoo