Moving Home Is one of the Most Stressful Things We Ever Do
Moving home is known to be one of the most stressful things that we ever do, and yet the average homeowner moves every 7 years in the UK.
There are so many things to do every time you move, and it’s easy to forget things such as cancelling the newspaper delivery or remembering to notify all the people you should notify of your new address. Things like telling your local council so that you are on the electoral register the next time there is an election, whether local or national.
In fact, in order to make your home move as stress-free as possible – not that it will ever be entirely stress-free – it is really worthwhile sitting down with your other half, if you have one, and putting your heads together in order to make a list of everything that needs to be done in order to see that they do get done. The best way is to sort out some headings and then have smaller lists of jobs under each heading and then you can tick them off as you go.
For example, a list of all the people that you have to notify of your new address. Maybe you do all your banking online these days, as many people do, but nevertheless you need to notify your bank.
Then there is the DVLA for your licence and vehicle registration, but not until you move as you may need your licence for vehicle hire and identification. You may also need to notify the Department for Work and Pensions, Inland Revenue, and TV licencing. There are also credit card providers and store loyalty card providers.
Your utility providers – water, electricity, and gas – should be told the exact date you are moving. You need to advise your home phone and broadband supplier, along with cable TV and mobile phone. Your GP, dentist, and optician. Your employers, schools, colleges, and professional associations of which you may be a member. Sports clubs or gyms of which you may be a member. Here is a very important one – pet microchip databases: what happens if your dog makes a break for it while you are moving?
Don’t forget to notify Royal Mail and have all your mail re-directed. If you are changing your phone number, you may be able to have your phone company automatically inform callers of your new number.
You also need to tell your insurance companies – life insurance, car insurance, the AA/RAC/Green Flag, mobile phone insurance, pet insurance, health insurance, and home contents insurance.
And those are just the people that you need to notify, in addition to your friends and family. That is just one list of all the things that you need to do!
And that last one – home contents insurance – is very important indeed, because you need home moving insurance, and it may very well not be covered by your contents insurance. If it is not, which is quite often the case, at The Insurance Broker we can arrange home moving insurance cover for you during your move. This is vitally important because everything that you own is going on to that removal van, and what happens if it gets caught up in a motorway pile-up or catches fire or drives off a cliff?
OK, it may not be very likely, but these things do happen. Many people assume that the removals company will have insurance, and it is true that they will. However, the insurance cover that they have may well cover them, but not cover you!
They may advertise that they are fully insured, but they cannot know the value of all the items that they may be called upon to move from one customer to the next. So if you have an antique wotsaname that is worth £15,000, it probably won’t be covered. This is because removals companies will limit their liabilities under their terms and conditions. They have to, otherwise their premiums would go through the roof if they had to have unlimited cover.
You can see why moving home can be so stressful, but at The Insurance Broker we can handle the insurance side of it for you for a very small premium, so that is one less thing that you need to worry about.