Along with household goods and personal belongings you can insure your car, motorbike, or boat. Please consider that goods should not be packed inside the vehicle.

Simply indicate your desired insurance coverage on the customer information form, and we will obtain the insurance on your behalf. For more comprehensive insurance policies, you will need to complete a separate insurance list of the items to be insured. The insurance list must be returned to Niemi no later than 3 business days before packing begins.

The insurance value is determined based on the item’s replacement value. Each insured item’s value, corresponding to its replacement cost in the destination country, should be recorded on the insurance list. The total of the listed values represents the total insured value of the shipment.

Sometimes, it is impossible to replace an item with sentimental value or one that is unavailable in the destination country. In such cases, you can estimate the item’s replacement cost in the country of origin and account for the transportation costs to the destination country. Alternatively, you can estimate the compensation you would accept for the item in the event of damage.

The value of a vehicle must be determined based on its current market value, not its replacement value. A condition report must be made for the vehicle to verify its condition before transportation begins.

Yes. Without a separate insurance list, a 25% surcharge will be applied. However, all individual items valued over 1 000 € must still be listed and reported separately.

Yes, with Comprehensive or Supreme insurance. The insurance is based on the total declared value of the items listed in the insurance list. The list does not need to cover the entire shipment. The minimum insurance cost for all levels of coverage is 150.00 €.

The insurance does not cover animals, plants, foodstuff, alcohol, cash, stamps, shares, documents, files stored on memory sticks, cards, or hard drives, jewelry, coins, gemstones, pearls, precious metals, or other similar valuable items.

Loss or damage due to the nature or condition of the moved property, such as:

• loosening of gluing, cracking, or dulling of surface
• damage due to material brittleness
• absorption of odors
• breakage of filaments and leakage

unless they are a direct result of a risk insured according to the Institute Cargo Clauses ICC (B).
Mechanical, electrical, and electric derangement, unless as a direct consequence of external physical damage.

Breakage, denting, scratching, or chipping of items packed by the owner. For self-packed items, a separate “Total loss” insurance is available.

The insurance also does not cover personal injury, fines, customs duties, taxes, or confiscation.

If the insurance list is returned at least 3 business days before packing begins, the insurance takes effect when the packing starts. A separate confirmation of the insurance will be sent via email.

The insurance is valid from the packing until the final delivery of the goods. However, the insurance is valid for a maximum of 120 days from the packing date. If the delivery cannot be completed within the insurance period, the insurance can be extended with a separately ordered extended insurance.

The insurance is valid for 120 days from the packing date, including any temporary storage. If storage is needed beyond this period, the insurance can be extended with a separately ordered extended insurance.

Each shipment and each mode of transportation must be insured separately, meaning a separate insurance list must be completed for each shipment.

Any visible damages or deficiencies must be reported immediately to the moving team. However, all observed damages and deficiencies must also be reported to Niemi in writing no later than 14 days after the move. At the destination, it is also necessary to check that all items have been delivered.

There is no deductible for personal items and household contents insurance. For cars, motorcycles, and boats, the deductible is 100.00 €.