Piano Moving Insurance — What's Actually Covered (UK Guide)
The two insurance policies every UK piano mover must carry, what's excluded, and how to claim if something goes wrong.
A reputable UK piano mover must carry two policies. Anything less and the cost of an accident lands on you.
Goods in Transit (GiT)
Covers damage to your piano while in the mover's care — loading, transit, unloading. Check the per-item limit matches your instrument's value (Steinways routinely exceed £30,000).
Public Liability (PL)
Covers damage to your property — floors, walls, listed staircases — caused during the move. £2m cover is standard; £5m is preferable for prime London or listed homes.
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