Moving Insurance — All Risk Transit Cover with Berjaya Insurance Berhad

When something gets damaged in transit between Malaysia and your destination, the difference between a fixable claim and a write-off is the insurance policy behind the move. Florette Relocation bundles All Risk transit insurance from Berjaya Insurance Berhad, a regulated Malaysian general insurer, with every shipment we handle. This page explains exactly what that cover does, what it doesn't, how we value your shipment, and how a claim works if you ever need to file one.

Why we use Berjaya Insurance Berhad

Three reasons: it's a Malaysian-incorporated underwriter regulated by Bank Negara Malaysia, so the policy is enforceable in local courts; it's not a private "in-house" or "mover-issued" policy that turns out to be worthless when you claim; and we provide the policy documentation to you upfront so you can verify coverage with the insurer directly. Many movers quote "fully insured" as a marketing line without naming a real underwriter. We name ours.

What All Risk transit insurance actually covers

Loss or damage during the four stages of a move where things actually go wrong:

• Packing — damage caused by improper packing technique by our crew (e.g., a fragile item not wrapped correctly).
• Transit — loss or damage from sea or air freight conditions, port handling, vibration, temperature, humidity, or accidents.
• Customs handling — damage during inspection at origin or destination ports.
• Final delivery — damage during unloading and placement at the destination address.

Coverage amount is based on the declared value you and we agree during the survey. Higher declared value means higher premium but proportionally higher payout if needed.

How to value your shipment realistically

Declared value should reflect replacement cost at destination, not what you paid in Malaysia. A KL-bought leather sofa might cost RM 4,000 here but RM 8,000 to replace in Sydney. Insurance covers the gap if you valued correctly. We help with valuation during the survey using a room-by-room walkthrough and standard category benchmarks. Under-valuing saves a small premium but creates a real loss if you ever need to claim.

How a claim actually works

Damage or loss must be flagged at delivery. Sign the delivery note "with reservations" and list visible issues. Photograph everything before unwrapping further. Within 7 days, submit a written claim with: signed delivery note, photographs, packing inventory (we provide this), Bill of Lading, and your declared value documentation. Berjaya Insurance Berhad handles the assessment directly — we facilitate the paperwork and follow up. Most claims resolve within 30–60 days.

Premium — what it costs

Insurance premium is a small percentage of declared value, quoted as part of the overall move. It's typically a single-digit percentage of your shipment value. For most household international moves, the premium adds RM 200–800 to the total quote. For high-value shipments (fine art, antiques, large collections), premium scales with declared value. Always cheaper than self-insuring against a total loss.

Why some movers skip naming the underwriter

Honest reason: some Malaysian movers offer "liability cover" rather than insurance — capped at MYR 10–20 per kg, paid by the mover from operational cash, with no insurer behind it. If you have a RM 50,000 shipment damaged, that could mean a RM 200 payout on a claim. Always ask: who is the underwriter? What's the coverage limit? Can I see the policy? If a mover can't answer those clearly, the cover probably isn't real.