INSURANCE GUIDE AND LIMITS
THIS IS NOT A LEGAL DOCUMENT, IT HAS BEEN PREPARED TO THE BEST OF OUR ABILITIES TO BRING SOME TRANSPARENCY TO THIS OFTEN COMPLICATED AND MISREPRESENTED SUBJECT
Go Truck Go is insured with WorkSafeBC, commercial vehicle insurance, general liability insurance and are licensed to conduct business in BC. We highly recommend you confirm with any company you consider that they have all of these insurances as well as have a positive online reputation.
We consider ourselves the most safe, experienced, reliable, and transparent of all the budget to mid-price-range movers in the Vancouver area. In the interest of transparency, we have included a detailed description of the services and limitations that we have here at Go Truck Go. Our hope is that it will make it easier for you to determine if we are the right fit for your needs and expectations.
When it comes to the safety of your cargo, the most important point we want to make is that we are insured and our insurance has limits.
In Vancouver today, the average price of two movers and a moving truck from a legal and reputable moving company ranges from $120/hr to $190/hr (or more for companies that offer "flat rate"services). At Go Truck Go we charge as low as $130/hr for the equivalent service, placing us more on the budget side of the average price range for companies with similar expertise, experience, and reputation. We cater our insurance limits to the budget of our core clientele to keep our rates as affordable as possible. For example, if we were to include full replacement value insurance for the very small percentage of clients with a $50,000 painting, our rates for the majority of our clients would have to increase substantially, which would not be fair to our client base. Therefore we include our basic insurance at no additional charge, but if you have high end or very valuable items we recommend getting third-party insurance if your tenant or other insurance does not cover transportation insurance.
If you require higher insurance coverage, it is good to check if your tenant or home insurance includes it or can be upgraded to moving insurance with your required limits. There is also the option to go with a third-party moving insurance company like:
Third-Party Transportation Insurance
www.cargocert.com/moving-insurance-online
https://www.pafinsurance.com/
Home Insurance Moving coverage Example from TD Bank
www.cargocert.com/moving-insurance-online
https://www.pafinsurance.com/
Home Insurance Moving coverage Example from TD Bank
Before committing to any moving company, we always recommend that you ask your mover for a written example of how you would be compensated should your most valuable item be damaged. These are great questions to ask:
How much would you compensate me if this was damaged?
What would the deductible be if I were to make a claim?
Is Go Truck Go the right company for me?
Our purpose is to provide a high quality moving service that is both accountable and reasonably priced. Since our core clientele doesn't typically require extended insurance we have opted for a pricing structure and coverage limits that best reflect their requirements. Please find details at the bottom of this page.
You are in good hands with Go Truck Go Movers
All of our movers receive an incentivized monthly bonus based on their performance and customer feedback; the intention is to reward them for good practice, rather than punishing them for accidents. That being said, on the rare occasion that damage is incurred, they are held partly accountable for the cost of reparations. This has proved to be an effective tool for building a team that is not just careful, but loyal and trustworthy.
Our team comes equipped with moving blankets, mattress bags, and shrink wrap to protect your items for safe transport. There is no additional charge for use of these items during your move.
Factoring in the teams experience, incentives, and tools we have to complete your move safely, it is extremely rare we have any damages claims.
Our Coverage
Major Damages
We are ‘fully licensed’, and meet all legal insurance requirements for BC.
We are covered by Worksafe BC and General Liability to cover injuries that could occur on your property; and Cargo Insurance against total property loss incurred whilst your items are inside the truck. This policy includes vehicle accident, vehicle fire and vehicle theft. Should any of those events unfold, the insurance limits are $20,000 to $30,000 total, depending on the truck, with a $500 deductible. If your required replacement value exceeds that, we advice that you seek additional coverage. (In our 15 years of business and 5000+ moves we have only had to exercise this insurance once)
Minor Damages
This includes damage to a single item, usually furniture, caused by the item being mishandled by the movers. These are generally covered out of pocket by the moving company.
In many incidents, except in the case of some “high risk items” listed below, our limits will cover the cost of professional repair* and in some cases, replacement of the item. However, there are limits to our compensation, so please familiarize yourself with them to determine if you require additional coverage.
Repair*: Most standard household items can be repaired to 'almost new’, which is a subjective term, but could be loosely defined as “damage can only really be detected from close inspection’. If a repair to ‘almost new’ condition would be inadequate for you, then definitely consider third party replacement value insurance coverage.
The Impossible
Our movers are good, but we can not control the laws of physics. On occasion clients ask us to move items through access ways that are spatially impossible and would inevitably result in contact with walls etc. In these cases there is no coverage. This pertains mostly to large sofas, wardrobes, and some spring boxes up tight stairways.
How much would you compensate me if this was damaged?
What would the deductible be if I were to make a claim?
Is Go Truck Go the right company for me?
Our purpose is to provide a high quality moving service that is both accountable and reasonably priced. Since our core clientele doesn't typically require extended insurance we have opted for a pricing structure and coverage limits that best reflect their requirements. Please find details at the bottom of this page.
You are in good hands with Go Truck Go Movers
All of our movers receive an incentivized monthly bonus based on their performance and customer feedback; the intention is to reward them for good practice, rather than punishing them for accidents. That being said, on the rare occasion that damage is incurred, they are held partly accountable for the cost of reparations. This has proved to be an effective tool for building a team that is not just careful, but loyal and trustworthy.
Our team comes equipped with moving blankets, mattress bags, and shrink wrap to protect your items for safe transport. There is no additional charge for use of these items during your move.
Factoring in the teams experience, incentives, and tools we have to complete your move safely, it is extremely rare we have any damages claims.
Our Coverage
Major Damages
We are ‘fully licensed’, and meet all legal insurance requirements for BC.
We are covered by Worksafe BC and General Liability to cover injuries that could occur on your property; and Cargo Insurance against total property loss incurred whilst your items are inside the truck. This policy includes vehicle accident, vehicle fire and vehicle theft. Should any of those events unfold, the insurance limits are $20,000 to $30,000 total, depending on the truck, with a $500 deductible. If your required replacement value exceeds that, we advice that you seek additional coverage. (In our 15 years of business and 5000+ moves we have only had to exercise this insurance once)
Minor Damages
This includes damage to a single item, usually furniture, caused by the item being mishandled by the movers. These are generally covered out of pocket by the moving company.
In many incidents, except in the case of some “high risk items” listed below, our limits will cover the cost of professional repair* and in some cases, replacement of the item. However, there are limits to our compensation, so please familiarize yourself with them to determine if you require additional coverage.
Repair*: Most standard household items can be repaired to 'almost new’, which is a subjective term, but could be loosely defined as “damage can only really be detected from close inspection’. If a repair to ‘almost new’ condition would be inadequate for you, then definitely consider third party replacement value insurance coverage.
The Impossible
Our movers are good, but we can not control the laws of physics. On occasion clients ask us to move items through access ways that are spatially impossible and would inevitably result in contact with walls etc. In these cases there is no coverage. This pertains mostly to large sofas, wardrobes, and some spring boxes up tight stairways.
GO TRUCK GO COVERAGE LIMITS FOR SINGLE ITEM DAMAGES
In the case that your item qualifies for multiple categories, the lower limit will apply.
At our discretion we will either take the item to be repaired ourselves, or compensate you the amount of the repair - up to the maximum limit listed above.
Feel free to send us photos or questions regarding any items that you are unsure about and we will be happy to clarify coverage limits.
At our discretion we will either take the item to be repaired ourselves, or compensate you the amount of the repair - up to the maximum limit listed above.
Feel free to send us photos or questions regarding any items that you are unsure about and we will be happy to clarify coverage limits.
*1 Furniture with built in drawers or storage should be emptied in most cases. The safest option when moving furniture with built in storage like drawers, is to empty them completely and leave the drawers in. Never leave any hard or small items in your furniture, as it will often need to be moved on its side. In some cases our clients prefer to leave clothing and soft items in their dressers for transport, that is fine if it is not too large or heavy a dresser but there is no insurance coverage for dressers if requested to be moved full.
*2 Flooring Protection
It is a great Idea to protect your floors, not just for your move, but for your move preparation as well. The following products are good option and available locally at home depot.
Gaurdia is a self adhesive option that can be used on almost all flooring surfaces including stairways, wood, stone, tile, and carpet.
See Gaurdia Here
Ram Board is another good option, it is a non self adhesive flooring protector.
See Ram Board Here
It is a great Idea to protect your floors, not just for your move, but for your move preparation as well. The following products are good option and available locally at home depot.
Gaurdia is a self adhesive option that can be used on almost all flooring surfaces including stairways, wood, stone, tile, and carpet.
See Gaurdia Here
Ram Board is another good option, it is a non self adhesive flooring protector.
See Ram Board Here
