Contact your insurer before the move to explain the dates, both properties and how belongings will travel or be stored. Buildings and contents cover address different risks, and your responsibilities can change at a legally significant stage of a purchase. Ask your solicitor or conveyancer about timing for the transaction.
Ask specific questions
- When should cover begin and end at each address?
- Are belongings covered in transit with the chosen moving service?
- Are owner-packed items, valuables and storage treated differently?
- What happens during a period when either home is empty?
- Are there limits, excesses or conditions you need to satisfy?
Get confirmation in the relevant policy documents or correspondence. Do not assume the removal company's terms and your home policy fit together without gaps. Keep an inventory and photographs of important belongings as supporting records.
At the new home, provide accurate details about occupancy, security and the property when requested. Review any changed information with the insurer rather than treating a calculator's estimate as a quote or policy recommendation. If responsibilities are unclear, resolve them with the relevant insurer and property professional before relying on cover.
Put it into practice
Use the personalised moving checklist and timeline to organise your own figures or next steps. Keep its assumptions alongside your plan.