The cost of transit insurance ranges from ₹800 to ₹4500 for a typical house move in India, and covers a damage or loss up to ₹5 Lakhs. It is a must-have for inter-city moving and a must-have if you are moving locally, if you can afford it. This guide is for Indian customers who are moving to arrange their household, office or vehicle relocation in 2026. We have stuck to a no-frills language and practical tips that are derived from actual moves that PackersBazaar.in has assisted in arranging in 800+ cities.
What it covers Damage in transmission (truck damage, mishandling), theft, fire, partial loss/total loss, water damage. The majority of policies are based on the declared value of goods. What it DOES NOT cover is quite interesting: Pre-existing damage, owner packed boxes (unless professionally packed), perishables, cash/jewellery, electronic data loss, war/riot, gradual wear. Typical premium rates Basic transit (up to ₹2 lakh): ₹800–₹1,500. Mid-range (₹5 lakh): ₹1,800–₹3,000. Full-value declared (₹10 lakh+): ₹3,500–₹6,500. Approx 0.3-0.6% of the declared value. How to claim Document damage with photos at delivery, prior to signature. 2. Write a complaint in writing with the moving company within 48 hours. 3. Provide insurer's claim form, photos, invoice and delivery receipt. 4. Surveyor inspection (within 7 days). 5. Settlement (14–21 days). When to skip insurance Moves that are very short (<20km), involves low value items (<₹50,000) or moving rental furniture. Be on-site to load; self-insure. When it's essential Inter-city moves (>500km), electronics + appliances, antiques, anything that can't be replaced. When moving abroad, insurance is a must. Conclusion There are only three key factors to a successful move: plan early, hire certified movers and ask the right questions before signing a contract. Take advantage of this guide and request quotes from our team which are free and customised to your needs.
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