Insurance & Liability Coverage
Most "insured" movers in India have either no real insurance or fake claims policies. Grewal's insurance is via New India Assurance — government-backed, verifiable, with a 92% claim approval rate.
Coverage Structure
| Item | Coverage |
|---|---|
| Insurance company | New India Assurance Co. Ltd (govt-backed) |
| Policy type | Goods-in-transit (annual policy) |
| Maximum coverage | Up to ₹5 crore declared value |
| Premium | 1.5% of declared value (industry-low) |
| Claim approval rate | 92% (industry avg 65%) |
| Settlement time | 7-14 days typical |
What's Covered
- Damage during loading/unloading
- Damage in transit (accidents, mishandling)
- Loss / theft during transit
- Damage from weather (rain, etc.) on declared items
- Fire, explosion damage
- Reasonable cover for fragile/electronic items (declared specifically)
What's Not Covered
- Items not in the inventory list (sign-off mandatory)
- Pre-existing damage (proven via photos)
- Cash, jewelry, securities, paintings >₹50K (specific declaration needed)
- Force majeure (riots, war — extremely rare)
- Owner negligence (e.g., didn't pack water-sensitive items in plastic)
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Call +91 98118 12743 or request callback →
Call +91 98118 12743 or request callback →
How to Maximize Claim Approval
- Video inventory at pickup. 30 minutes that prevent any "you didn't have this item" disputes.
- Sign the inventory sheet at pickup. Mark any pre-existing damage in writing.
- Photograph damage immediately at delivery. Within 24 hours.
- Get GST invoice. Required for claim filing.
- File claim within 48 hours. Late claims have lower approval.
- Provide proof of value. Original receipts for high-value items.
Liability Beyond Insurance
If insurance approves less than full damage value, Grewal's liability terms cover the gap up to a customer-friendly cap — clearly outlined in the move contract before signing.
Free quote in 30 seconds.
Call +91 98118 12743 or request callback →
Call +91 98118 12743 or request callback →
Frequently Asked Questions
How is the 1.5% premium calculated?
On declared value. Declared ₹3 lakh worth of goods = ₹4,500 premium. Standard.
What if I declare less to save on premium?
Insurance covers only declared amount. If goods worth ₹5 lakh declared as ₹2 lakh and damage occurs — only ₹2 lakh covered. Always declare honestly.
How long does claim approval take?
7-14 days for standard claims. Up to 30 days for complex or disputed claims.
What happens if claim is rejected?
Grewal team helps with appeal. Beyond that, ombudsman (insurance industry regulator) is available. Fewer than 8% of our claims are rejected.
Can I claim for emotional distress?
No — insurance covers physical/material damage only. For emotional distress, customer service review may offer goodwill compensation.
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IBA bill (MUO-2547) for transfer reimbursement. No hidden charges.
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