Posted on November 21, 2025
By TEZ Packers Team
Relocation Insurance in India: Complete Guide
Short Context Hook: Insurance converts rare accidents into manageable claims. Understand types, premiums, and paperwork to stay protected.
What is & Why it matters while relocating in India
Relocation insurance covers in-transit risks and handling damages. It’s essential for interstate moves from Varanasi to distant metros.
Comparison Table
| Type | Coverage | Premium | Best For |
|---|---|---|---|
| Transit | Door-to-door transit risk | 0.8–1.2% of value | Most households |
| Comprehensive | Transit + storage + handling | 1.3–1.8% | High-value shipments |
| Declared Value | As per inventory | Varies | Custom mixes |
Step-by-Step Framework / SOP
- Create itemized inventory with values
- Choose insurance type and deductible
- Share KYC and address proof
- Receive policy/binder before loading
- For claims: document damage within 24–48 hours
10-Point Actionable Checklist
- Photograph valuables pre-pack
- Pack electronics in original boxes if possible
- Declare realistic values
- Understand exclusions (glass, self-packed)
- Keep policy number handy
- Note supervisor’s contact
- Record damages on delivery note
- File claim within timelines
- Save all invoices
- Use moisture protection in monsoon
FAQ
Is insurance mandatory?
Not legally, but strongly recommended for interstate moves or high-value items.
Who issues the policy?
Either insurer directly or via mover/agent; ensure policy or cover note is issued before loading.
How are claims settled?
As per declared value, minus deductible and depreciation if applicable; follow insurer’s surveyor process.
Conclusion Summary
Insurance is a smart hedge. Budget 1–2% for peace of mind for long-haul shifts from Varanasi to metros.