Moving Overseas Is a Very Big Deal
Moving overseas is a very big deal. It is one thing moving across town in the UK. It is another moving from one town to the next. It is yet another moving from Aberdeen to Truro. But moving overseas is a very big deal indeed.
Let’s face it: you are leaving all your friends behind – all of them – you are not taking any of them with you. You are probably leaving nearly all your family behind. (Yes, there may be one or two that you won’t miss!). But you are leaving everyone.
Depending upon where you are going, there may be no cricket, few theatres, no theatres, few people, no Tesco or Iceland, no M & S. It may be blazing hot in the summer, or it may be cold all year round.
Wherever you are going, life henceforward is going to be very different indeed. You are going to have to get used to the local customs and the way people behave. You will probably have to learn a new language. There are a lot of things that will require you to adjust your life to your new surroundings.
However, it may not all be bad news! There are a lot of things to look forward to that can be exciting. New foods. Exotic countryside. New friends. A new job. More money. Or perhaps the same amount of money but somewhere that expenses are miniscule compared to the UK.
So yes, there is a lot to look forward to. But first of all, you have to get there. Oh, sure, you get on board a plane and in a few hours you are there. However, there is the problem of shipping all your belongings and unless you are very wealthy indeed, air freight is out of the question. So all your belongings are going to have to go by sea, and that is going to take a few days to a few weeks depending on your destination.
So you can wave goodbye to your possessions and hope and pray that they arrive at the other end intact. And in most cases, they will.
However, there are no guarantees. The ship could sink. It might not sink because the captain ordered the crew to jettison a lot of the containers on board in order to keep it afloat, and one of them could be yours. It might arrive safely at the foreign port and all your goods get loaded on to a lorry which then gets involved in a major accident. Your goods might be stolen. In fact, anything could happen. In most cases it won’t, but it could.
And that is why you need overseas removal insurance. To cover you against the unexpected – that may not happen but could.
The first thing that you should consider when moving abroad is getting rid of things that you don’t need. For instance, if you are moving to the Caribbean you won’t need a lot of cold weather clothing. There are probably all sorts of things that you might want to take, but you have to be brutal and only take the essentials. Certainly, you will doubtless have some possessions that have a personal appeal, but the less you take, the less your transportation costs will be, and the less your overseas removal insurance will be too. There are lots of online platforms such as eBay, and there are friends’ homes, and even rubbish bins, that you can use to make things go away!
When you have decided upon the possessions that you want to take with you, then you can come and talk to us at The Insurance Broker about insuring them for the journey.
There are different types of insurance available and you need to discuss with us which is the best for your individual situation. For example, there is All Risk insurance which covers everything – except that it doesn’t! It covers everything that might happen, but with certain exceptions such as damage to unpacked/unprotected items or delay.
Total Loss is cheaper but doesn’t cover partial loss: it only pays out, for example, if the ship sinks and the cargo is lost. Named Perils only covers named occurences. There is more.
So you can see that you need to talk to us at The Insurance Broker and we will advise you of all the options and you can then decide the best course of action for you.