Why Transit Insurance is Essential for Every Move
Relocating household valuables, expensive electronics, luxury furniture, or automobiles over city roads and national highways involves unpredictable factors like sudden braking, bad weather, highway accidents, or inadvertent transit friction. While Orient Packers and Movers employs strict 5-layer safety packaging and trained moving specialists, an authentic All-Risk Transit Insurance Policy gives you absolute financial protection against unforeseen incidents.
We have official underwriting partnerships with India’s foremost insurance companies (including National Insurance, Oriental Insurance, New India Assurance, and ICICI Lombard), providing genuine policy certificates within 2 hours of pre-move value declaration.
All-Risk Comprehensive Cover
Protects against accidental physical damages, handling scratches, transit jerks, overturning, fire, and liquid spillage during door-to-door transit.
Fast 7–10 Day Settlement
Streamlined claims department in Goa with zero bureaucratic delays. Quick survey inspection and direct bank reimbursement for approved repairs/replacements.
Original Policy Certificate
Receive your official insurance certificate with an active policy number, declared inventory value, and underwriter seal before the truck departs.
IBA Approved Logistics
Recognized by the Indian Banks' Association (IBA Code), making our insurance documentation 100% compliant for central/state government and corporate relocations.
Comparison: Which Insurance Policy Suits Your Move?
| Policy Feature | All-Risk Comprehensive Policy Recommended | Transit-Only Total Loss Policy |
|---|---|---|
| Coverage Scope | Scratches, dents, breakage, jerks, fire, water, theft, total loss | Accidents resulting in vehicle overturn, major fire, total loss only |
| Packing Requirements | Professional 5-layer packing by Orient Packers and Movers team | Standard packing accepted |
| Estimated Premium | 3% of declared asset valuation (+ GST) | 1.5% of declared asset valuation (+ GST) |
| Best Suited For | Home shifting, TVs, electronics, modular furniture, cars, bikes | Bulk industrial goods, raw cargo, heavy machinery |
| Claim Documentation | Consignment Note + Damage Photos + Invoice | FIR + Transporter Incident Report + Damage Assessment |
Estimated Transit Insurance Premium Rates (2026 Goa)
Premiums are calculated based on your total declared value of goods. Full GST tax invoices provided for complete Input Tax Credit (ITC) eligibility.
| Declared Goods Value | Typical Home / Move Size | Estimated Insurance Premium | Policy Issuance Time |
|---|---|---|---|
| ₹ 1,00,000 (1 Lakh) | Single Room / Bike / Few Appliances | ₹ 1,500 – ₹ 3,000 | Instant Digital Copy (1–2 Hours) |
| ₹ 3,00,000 (3 Lakhs) | 1 BHK Household Shifting | ₹ 4,500 – ₹ 9,000 | Same Day Verified Certificate |
| ₹ 5,00,000 (5 Lakhs) | 2 BHK Household / Car Transport | ₹ 7,500 – ₹ 15,000 | Same Day Verified Certificate |
| ₹ 10,00,000 (10 Lakhs) | 3 BHK Luxury Apartment / Executive Move | ₹ 15,000 – ₹ 30,000 | Custom High-Value Policy Docket |
| ₹ 20,00,000+ (20+ Lakhs) | Luxury Villa / Corporate IT Relocation | Custom Corporate Slab | Dedicated Underwriter Desk |
Transparent 4-Step Claim Settlement Protocol
Value Declaration
Fill in item-wise valuation on the pre-move survey sheet and receive your official insurance cover note.
Delivery Inspection
Inspect all boxes and furniture at delivery. Note any visible outer damage on the driver’s consignment copy.
Claim Intimation
Share photos/video of damaged items with our claims coordinator within 48 hours of delivery.
Survey & Payout
Insurance surveyor verifies repair/replacement bills and settles payment directly to your bank account.
Coverage Checklist: What is Protected vs Excluded
Frequently Asked Questions on Transit Insurance
While insurance is not legally mandatory for short local moves within Goa, it is strongly recommended for long-distance interstate moves and high-value household shipments. Transit insurance ensures that even in rare highway mishaps or natural events, your financial investment is 100% protected.
You declare the present market or replacement value of your household items on our inventory list. Standard depreciation may apply to electronic appliances based on years of usage, but items are valued fairly to ensure adequate repair or replacement reimbursement.
Transporter liability (Transit-Only) only covers extreme catastrophe where the vehicle overturns or catches fire. All-Risk Transit Insurance covers internal and external damages, minor scratches, breakage, jerks, rainwater damage, and transit pilferage.
Once you approve the inventory valuation, we generate your official insurance cover note with policy number within 2 hours before the vehicle starts moving from Goa.
1. Clearly note the damaged item on the delivery consignment receipt (LR copy).
2. Take clear
high-resolution photos and video of the damage and packing material.
3. Send the details to our
24/7 helpline at +91 9049700081 within 48 hours. Our dedicated claims desk will
initiate the surveyor process immediately.