A simple overview of QBE’s transit insurance for household contents and personal property
during packing, moving, unpacking, and limited storage during a move.
This insurance is underwritten by QBE Insurance (Australia) Limited and is designed
to cover insured household contents and personal property while being moved by professional
removalists, including packing, transit, unpacking, and storage for up to 30 days unless extended.
Important: This page is a simplified summary only. Customers should still read the full
Product Disclosure Statement and Policy wording before relying on the cover.
Key benefits
Protection against loss or damage while property is being packed, moved and unpacked by professional removalists.
Cover for insured property while in storage during the removal process for up to 30 days in total.
New-for-old replacement value for most insured property, regardless of age.
Land transit benefit for temporary accommodation if delivery is delayed because of an insured event.
Sea transit cover can include jettison, general average sacrifice, and salvage charges.
What may not be covered
Electrical, electronic, or mechanical failure without visible external damage from an insured event.
Ordinary wear and tear.
Rust, oxidisation, discolouration, mould, insects, rats, or vermin.
Pre-existing damage before transit begins.
Cash, credit cards, stamps, deeds, tickets, travellers’ cheques, jewellery, watches, pets, and living plants.
Theft, pilferage, or non-delivery for owner-packed goods unless a detailed carton inventory was provided before transit.
What QBE may pay
Repair of damaged goods.
Replacement with the nearest equivalent new goods.
Payment of the cost of repair or replacement.
For motor vehicles, motorcycles, boats, caravans and trailers: repair, reasonable replacement cost, or market value immediately before the loss or damage.
Legal liability for shipping containers in your care, custody and control up to $5,000.
Temporary accommodation
For land transit, if an insured event stops all of your property being delivered by the intended delivery date,
QBE may contribute to necessary temporary accommodation costs.
Limit: Up to $250 per day for a maximum of 30 days.
When cover starts and ends
Cover starts when the removalist begins packing or moving the insured property and ends when the goods arrive
at the nominated address and are unpacked by the removalist, provided unpacking is completed within 30 days.
If property goes into storage, cover remains for up to 30 days unless the policy has been extended for a longer period.
How to make a claim
Take reasonable steps to prevent further loss or damage.
Advise the removalist who delivered your property.
Complete QBE’s claim form and any additional forms requested.
Do not repair or replace anything until QBE has given approval.
Important claim notes
An excess may apply to claims.
Claims can be reduced or refused if policy conditions are not met.
Fraudulent claims may be declined.
When goods are delivered, do not sign off unless you are satisfied everything has arrived in good order.
If you cannot fully inspect the goods at delivery, sign “Subject to checking when unpacked”.
Cooling off
If you change your mind and have not made a claim, you can cancel within 21 days of the start date for a full refund,
subject to the policy terms.
Cancellation
You may cancel the policy before removal starts. Once packing or moving has commenced, cancellation is not available.
Duty of disclosure
Before entering into the contract, you must tell QBE anything you know, or could reasonably be expected to know,
that may affect their decision to insure you and on what terms.
Product reference shown in the document: QM3170-0421. Prepared 12 April 2021. Effective 26 April 2021.
Disclaimer: This page is a marketing-style summary for web use and is not a substitute for the full Product Disclosure Statement
and policy wording. Coverage, conditions, exclusions, limits, excesses, and claims handling are subject to the actual policy documents.
