Are you covered? Why insurance matters when moving your car cross-country


When shipping your vehicle, one of the things you think about most is, “What if something happens to my car?”

Most car shipping companies offer peace of mind by providing clients with insurance (sometimes included in the overall rate, sometimes at an extra cost), but be sure you read the fine print and determine what is actually covered before you hand over the keys to your car.

Check your provider’s insurance coverage

Here are four things to consider:

When does the shipping company’s liability start and end?
Most companies will tell you their insurance covers the process start to finish, but be sure to determine if it really does. Often, insurance only covers the time the vehicle spends on a train or truck. If the company is driving your car from a rail terminal or truck yard to their own facility, what happens if they are in an accident? Most often, your own insurance ends up taking the hit for the coverage – and that can mean higher premiums for you in the future. Look for a company that offers full-coverage from the time you hand over the keys, to the time you get them back.

Where is the insurance coming from?
Many companies say your vehicle is insured, but by whom? In many cases, these companies or brokers take advantage of the carrier’s insurance (freight). While your vehicle is insured, if you have to make a claim due to damage, you’ll have to chase after the individual carrier, or any subcontractors that were used, for payment. It can be a lengthy and frustrating process. Your best bet is to look for a company that offers their own insurance, so you have one point of contact should the unexpected happen. Beware of any company or broker that requires you to initiate the claim and settle directly with the carrier subcontracted to move your vehicle.

How much are you covered for?
Some insurance policies only cover damage up to a certain amount. After that you’re on your own. Ask exactly how much the policy offers, especially if you have a high-value or classic vehicle. If that’s the case, you may want to invest in a little more.

Does your service provider use subcontractors?
Does your service provider handle every aspect of your move, or do they subcontract out at different stages? If subcontractors are involved, you need to make sure each and every one offers adequate insurance coverage, protecting your car when it’s in their hands. Once again it’s in your best interest to select a service provider that offers their own insurance and will take full responsibility of any damage incurred in transit, regardless if they use a subcontractor for a portion of the journey or not.

The chances of incurring damage are slim if you choose the right service provider – but accidents do happen, so insurance is an important part of any vehicle transportation transaction. Be sure you get the right coverage.

Canada’s choice for vehicle transportation

We understand how important your car is to you, and we promise to take care of it from the moment you give us the keys. But we also understand that the unexpected can happen, and we offer comprehensive insurance coverage should something unforeseen occur.
To learn more about the importance of insurance or to arrange a vehicle move, contact Livingston’s vehicle transportation specialists today. If you’re ready to get a quote for moving your car, fill out our convenient online form.