Protect Everything You Move or Store
From a single valuable item to an entire household or business shipment — our comprehensive transit and storage insurance ensures complete financial protection throughout every stage of your move.
Your Peace of Mind, Fully Guaranteed
Every relocation carries risk — however small. Even with the most careful packers, the highest-quality materials, and the best-maintained trucks, unforeseen events such as road accidents, extreme weather, sudden braking, fire, or flooding can sometimes cause damage or loss to your goods. Without insurance, you bear that risk entirely on your own.
At KCM Packers and Movers, we believe no customer should ever be in that position. That's why we offer a comprehensive goods insurance programme covering domestic transit, international shipping, vehicle transport, and warehousing — with transparent policy terms, no hidden exclusions, and an in-house claims team that processes settlements quickly. Our insurance products are backed by licensed Indian insurance companies, giving you the full weight of regulatory protection behind every policy.
Why Every Move Needs Proper Insurance Coverage
Road Accidents
India records one of the highest rates of goods-in-transit damage from road incidents globally.
Weather Events
Monsoons, floods, and extreme heat can affect transit vehicles and stored goods even with precautions.
Handling Incidents
Even trained crews cannot fully prevent accidental drops, impact damage, or equipment failures.
Value of Belongings
The average household move involves goods worth ₹5–15 lakhs. Can you afford to absorb an uninsured loss?
Choose the Right Insurance Level for Your Move
We offer three levels of goods insurance to match the value and nature of your shipment.
Basic Transit Cover
Standard transit protection automatically included with all KCM moves. Covers the most common risk scenarios during domestic road transport.
- ✓ Fire & natural calamity damage
- ✓ Theft & burglary during transit
- ✓ Vehicle accident damage to goods
- ✓ Limited liability coverage
- ✗ Breakage due to improper packing
- ✗ High-value item-specific coverage
Standard Protection
Significantly broader coverage for households and offices. Recommended for most moves involving electronics, appliances, furniture, and moderate-value goods.
- ✓ All Basic Cover benefits
- ✓ Extended accidental damage cover
- ✓ Flood & water ingress damage
- ✓ Electronics & appliance coverage
- ✓ Named-risk protection per policy
- ✓ Faster claim settlement (72 hrs)
All-Risk Comprehensive
The highest level of coverage for luxury goods, antiques, high-value electronics, international shipments, and businesses requiring maximum financial protection.
- ✓ All-risk protection (any cause)
- ✓ International shipment coverage
- ✓ High-value item coverage (₹5 crore+)
- ✓ Storage & warehousing cover
- ✓ Fast-track 48-hour settlement
- ✓ Dedicated claims manager
What's Covered — and What's Not
Transparency is the cornerstone of our insurance programme. Here is a clear breakdown of standard policy coverage.
What Is Covered
- ✓ Fire, explosion, and lightning damage
- ✓ Road accident causing damage to goods
- ✓ Theft and burglary during transit
- ✓ Flood, cyclone, and natural disaster damage
- ✓ Overturning of the transport vehicle
- ✓ Collision damage to containers or crates
- ✓ Loading/unloading accident damage (Standard & All-Risk)
- ✓ Malicious damage by third parties
- ✓ International maritime and aviation incidents (All-Risk)
- ✓ Storage-related damage (fire, flood, theft)
What Is Not Covered
- ✗ Damage due to poor packing by the customer
- ✗ Pre-existing damage at the time of pickup
- ✗ Inherent defects or mechanical failure
- ✗ Perishable goods, food items, or plants
- ✗ Jewellery, cash, and negotiable instruments (without declaration)
- ✗ Delayed delivery (not classified as loss or damage)
- ✗ Wear and tear from normal use
- ✗ War, nuclear risks, and government confiscation
- ✗ Goods transported outside declared route
- ✗ Undeclared or undervalued goods (partial payout only)
Simple, Transparent Claims Process
In the unfortunate event of a claim, here's how our process works — designed to be fast, fair, and stress-free.
Report Immediately
Report any damage or loss to our claims team within 24 hours of delivery. Photograph all damage before touching or moving affected items.
Complete Claim Form
Our claims team sends you a simple claim form with a list of required documents — typically the inventory list, delivery receipt, and damage photographs.
Assessment & Surveyor
For claims above a set threshold, a licensed insurance surveyor is assigned within 48 hours to assess the damage and verify the claim.
Settlement & Payment
Once approved, settlement is processed within 48–72 hours for Standard plans and 24–48 hours for All-Risk plans. Payment made directly to your account.
Goods Insurance FAQs
Common questions about our transit and storage insurance.
Services You Can Add Insurance To
Protect Your Move with the Right Coverage
Speak to our insurance specialist today — free advice, instant coverage options, no obligation.
IBA Approved · All-Risk Options Available · Fast 48-Hour Claims · Domestic & International