Removal Insurance

In Hong Kong, removal insurance refers both to insuring your local home and office moves and as well, an overseas move.

Some home policies include cover for this move as integral to the policy.

For example the HomeProtector from MSIG covers HKD100,000 in total and HKD10,000.00 per item in a local home move.

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Apart from the home move being covered in your home insurance, there is the option of using such products as :

  • AXA’s Removal Insurance policy covers both local and international moves at competitive rates.

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  • MSIG's removal policy (refer to above Home Protector Insurance document )

  • Tokio Marine's removal policy

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The one KEY area where AXA’s and most other insurers fall down, is that they do not cover in any way:

  • Electrical and Mechanical Derangement.. This means that if your TV worked before you packed, but for no obvious reason does not work in the new location, you can claim.
  • Pairs and Sets.. So if you have two matching standard lamps and one is destroyed you cannot claim for two.
  • Mould and Mildew

In contrast the cover offered by removal companies at perhaps two to three times the cost, will cover all of the above on some measure.

For your electrical appliances though you will have to prove to the removalist that the item is in good working order BEFORE it is packed.

Furthermore, for the cover for mould and mildew, you will generally find there is a ceiling of around USD20,000-25,000 in total.

For more information on Removal insurance, please call or email:

Mr Robin Brown - Tel 2530 2895 email

Robin can also refer you to removlists that will provide discounts for Navigator clients.

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Navigator Insurance Brokers Ltd
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Sheung Wan, Hong Kong