Transport insurance for your move
Protect the full value of your household goods during your move
During a move, damages can occur despite professional planning and careful execution. Although a moving company is generally liable for transport damages, this statutory liability is limited and often does not cover the actual value of your belongings.
A transit insurance policy for your move ensures that your household goods are comprehensively protected—from packing and transport to delivery and potential storage.
What is transit insurance for a move?
A transit insurance policy (moving insurance) provides financial protection for your belongings throughout the entire moving process.
Unlike statutory liability, it allows for coverage based on the actual value of your items, thereby offering more comprehensive protection in the event of damage or loss.
This is particularly important for valuable, fragile, or difficult-to-replace items.
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Statutory Liability vs. Transit Insurance for Your Move
According to German transport law, the moving company is liable for damages during Transport. However, this liability is strictly limited by law.
| Statutory Liability | Transit Insurance / Moving Insurance |
|---|---|
| Automatically included in the moving contract | Optional additional insurance |
| Statutorily limited | Coverage based on the declared value |
| Maximum of €620 per cubic meter | The sum insured can correspond to the actual value of the items |
| Compensation usually based on current market value | Coverage can be based on replacement value (new for old) |
| Applies only within the scope of statutory liability | Can extend protection throughout the entire moving process |
Why Statutory Liability Often Is Not Sufficient During a Move
Statutory liability is not calculated based on the purchase price of individual items, but on the basis of the transport volume.
This frequently leads to compensation that is significantly lower than the actual value of your furniture and belongings.
Example 1:
A modern 65-inch Smart TV has an approximate transport volume of about 0.15 cubic meters.
Calculation of statutory liability: 0.15 m³ × 620 € = 93 €
A modern television worth €1,200 would therefore only be insured for approx. €93 based on the transport volume.
Example 2:
A large sofa can have a transport volume of approximately 1.2 cubic meters.
Calculation of statutory liability: 1.2 m³ × 620 € = 744 €
If the sofa has a value of €3,000, the statutory liability is significantly below the actual value.
Example 3:
A piano typically has a transport volume of about 1.5 cubic meters.
Calculation of statutory liability: 1.5 m³ × 620 € = 930 €
However, the value of a piano can easily amount to €5,000 or more, which clearly illustrates the limitations of statutory liability.
This difference is precisely why many customers opt for additional insurance.
Moving soon? Transit insurance protects your belongings beyond statutory liability—covering damage, loss, and storage.
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When is transport insurance advisable when moving house?
Transport insurance is particularly recommended if your move includes the following:
– high-quality furniture or designer pieces
– Electronics or sensitive devices
– Works of art, antiques or collectibles
– Pianos or large specialty items
– Long-distance or international moves
– temporary storage during the move
Insurance for storage during the move
If your move includes storage, the insurance can be extended to cover the following:
– short-term storage during the move
– long-term storage solutions
This ensures continuous protection throughout the entire relocation process.
New value vs. current value in moving insurance
To choose the right insurance for your move, it's important to know the difference.
New value (replacement value): The amount required to buy an equivalent item new today. For example, if a comparable sofa costs €2,000 today, this corresponds to the new value.
Value: The current value taking into account age and wear and tear. For example, a television that cost €1,000 five years ago may only be worth €300–400 today.
Transport insurance for a move can be taken out on a new value basis and therefore offers significantly better protection.
What happens in the event of damage?
If damage occurs, the process is straightforward:
- Report damage immediately
- Document damage photographically
- Keep damaged items for inspection.
- Submit a written description of the damage.
This enables a quick and transparent handling of the claim.
Individual consultation for your move
Every move is different, and the right insurance coverage depends on various factors, including the total volume of your household goods, the value of individual items, the type of move (local, long-distance or international), and any storage requirements.
We support you in assessing your individual situation and the pa
Advice on transport insurance
Protect your belongings during your move and avoid unexpected costs.
FAQ
The statutory liability is included in the moving contract, but is limited. Additional transport insurance is optional and offers extended protection.
The costs depend on the declared value of your household goods and the scope of coverage. We create individual quotes based on your move.
Statutory liability is limited and based on the transport volume. Transport insurance covers the actual value of your goods and offers more comprehensive protection.
That depends on your individual situation. Many customers opt for full coverage, while others only insure particularly valuable items.
Yes, the insurance can cover both short-term and long-term needs. Storage will be expanded.
Ideally, this should be done before the move begins, so that the insurance coverage starts as soon as you begin packing your belongings.