When you move, insurance isn't the last box you pack, it's the first step: the new address should be under cover before the first pallet arrives. This is the tick-box order of steps – the background is in the changing premises article.
In brief:
- The guiding principle: cover first, then the move.
- Moving week is the highest-risk period: property in transit, two addresses, temporary arrangements.
- Cover on the old address stays in force as long as property is still there – don't cancel it too soon.
Before the move (2–4 weeks ahead)
- ☐ Data on the new address gathered: building, area, security – the insurer will reassess.
- ☐ The new site reported, the policy amendment timed: cover applies from the first day of occupation. (reporting)
- ☐ Protection during transport clarified: the mover's liability + goods-in-transit cover if needed. (the layers)
- ☐ Moving high-value, sensitive equipment (servers, instruments) planned separately.
- ☐ The financing party notified about the move of financed equipment (as required by the contract).
Moving week
- ☐ A moving inventory is drawn up: what's where, and when – updating the site inventory.
- ☐ Photo documentation of valuable equipment before departure and after arrival.
- ☐ Security is working at both addresses: locking up, alarm, a responsible person.
- ☐ The partially emptied old site isn't left unsupervised or unmonitored (the security requirements still apply there too).
After moving in (within 1 month)
- ☐ Removing the old address from the policy – once there's no property left there. (against paying for cover you don't need)
- ☐ Fine-tuning the new site: sums matching the actual layout, security level, storage arrangement. (burglary requirements)
- ☐ The data changes updated everywhere: policy, endorsements, contacts.
- ☐ A short check-in with a survey: what's changed in the risk picture?
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This article is for information purposes only and contains general information; it does not constitute an offer or insurance advice. The precise content of insurance contracts is determined by the insurers' policy terms in force at any given time.
