Contents Insurance Wording

One of our clients recently asked us to comment on some definitions in his contents insurance policy.

Strictly speaking, this is an issue relating to household insurance rather than furniture removals. Christchurch Removals rose to the challenge though and offered our understanding of the position and thought we would share that here.

We would recommend though that if you have doubts, contact an authorised insurance broker. We are not qualified insurance advisors.

Property contents cover

Typically, what you call your “household insurance” might sub-divide into two separate sections.  One of those will cover the property itself whilst the other will deal with your contents.

Contents can be damaged or lost through a variety of reasons.  That might be fire, flood, subsidence, storms or perhaps most commonly, burglary and vandalism.

Whatever the cause of the problem is, if you suddenly find that your possessions have been destroyed, stolen or simply badly damaged, you may turn to your insurance provider for assistance.

For more details, please visit - https://www.christchurchremovals.co.nz/contents-insurance-wording/

Think Carefully about Fixtures and Fittings

Although we blogged on this fairly recently, it seems to be a subject that is generating quite a few questions at the moment.  So we’ve decided to re-visit it.

Do please remember though that we are not solicitors and your individual unique situation may require specific legal advice.

Fixtures and fittings

Let’s assume you are moving out of the house you owned and have just sold.

As a general legal principle, you cannot remove things that your contract of sale will have categorised as being “fixtures and fittings”.  In other words, if the buyers saw something as part of the property’s structure when they came to visit it during their buying activities, you can’t unilaterally remove it when you move out.

There may be some exceptions to that, provided they are clearly noted in the contractual agreements and the buyers have agreed the removal in advance.

Unfortunately, just what constitutes a “fixture” is sometimes open to interpretation and it can occasionally lead to legal disputes.

For more details, please visit - https://www.christchurchremovals.co.nz/think-carefully-about-fixtures-and-fittings/

Anti-Phishing Advice

We don’t pretend to be experts in information technology as well as furniture removals! Christchurch removals is where we excel.

We also have no reason to believe that anyone has ever tried to deceive anyone else by pretending they were Christchurch Removals online.  Even so, we’d like to publish here are a few very basic thoughts about how you can protect yourself from one of the commonest online scams, that involving “phishing”.

Phishing

This is a generic term given to a range of potential online frauds.

They typically involve someone, somewhere, pretending to be someone else.  That usually means they’ll pretend to be a company or institution you already do business with and communicate with you via email using that false identity.

A common approach is to send you an e-mail that may have all the appearances of coming from someone you have legitimate contact with. That e-mail invites you to follow a link to logon and check something relating to your business with them.

In reality, if you follow that link, you will be taken to a bogus site where you may accidentally disclose private information such as your id and password. Read more about......Anti-Phishing Advice.

A Quick Word on Antiques

Although we’ve mentioned the subject of antiques once before, that was some time ago so we thought we’d offer a quick reminder.

If you are involved in a house removal, we will gladly offer special services for any item you may think of as being of high sentimental or indeed financial value.  Antique items which may have been handed down through the family or more recently acquired, may often come in that category.

There are a few points worth making about such objects when they are relocated.

Firstly, it’s worth remembering that you should probably ensure that you have special contents insurance cover for items defined as being “high value antiques”.  Specifically, it would be essential to make sure that your policy covers such items when they are in transit, such as when you are moving home.

The second point that we would like to draw to your attention is that any items that are of high value, including antiques, should be brought to our attention.  That is both from a practical viewpoint in terms of us making sure they are packed and protected appropriately but also since there may be insurance issues such as maximum cover levels for any individual item. Read more about..........A Quick Word on Antiques.

Make Space During your Office Relocation Through Off-site Storage

Even in the second decade of the 21st century, moving companies, Christchurch and elsewhere, still occasionally involves having to move substantial numbers of old filing cabinets and paper document storage units.

Of course, in some circumstances paperwork is still required.  That’s often the case in terms of signed contracts and some legal proceedings.  There are also still paper documents that people use on a daily basis because not everyone has yet moved over to fully (e.g.) electronic invoicing and payment systems etc.

Another variation on that theme relates to statutory requirements for keeping records for a specified number of years.  For example some insurance policies that may have been signed 30 or 40 years ago, may have long since been digitised but the original master signatures often need to be retained.

However when you are looking at your new office floor plan and see that significant chunks of it are being occupied by historic filing that you rarely, if ever, access then it might be time to do something about it.

For more details, please visit - https://www.christchurchremovals.co.nz/make-space-during-office-relocation-through-offsite-storage/

FAQs - Document Imaging Systems

Here are the answers to some frequently asked questions on the subject of document imaging systems.

Why can't I simply digitise all my paperwork and then throw it away?

In very many situations, there is probably nothing to stop you doing so.

It's important to recognise that this is not a technology issue. The systems to provide a paperless office have arguably been around since the 1970s. There are though, a number of problems that have held companies back over many decades:

•  the cost of the technology. Even today, sophisticated document imaging systems can't be described as being exactly "low-cost", though the cost in real terms has tumbled over the past 30 years;
•  incompatibilities between different systems;
• in certain circumstances there are still some legal inhibitors. There are, for example, some legal requirements to maintain certain types of original documents with their original signatures. That doesn't mean they can't be scanned and added to the system though, it just means that you can't easily throw them away. There can also be some data protection issues relating to where the document images are stored - for example, it might all "look" local to you but perhaps personnel documents are being stored overseas when using things such as the web. That can be a legal jurisdictional issue in some cases;

For more details, please visit - http://ezinearticles.com/?FAQs---Document-Imaging-Systems&id=9889945

Office Removals – Top “Don’t Do” Tips

We are experts in business relocation, Christchurch and elsewhere in New Zealand.

As a result of that, we have gained extensive experience of many particular forms of commercial moves and particularly office removals.

That’s why we’d like to share some of our top tips for things that are well worth avoiding if you are hoping to achieve that smooth and trauma-free office relocation.

Don’t:

1.  leave your planning until the last moment. It almost invariably causes serious difficulties in   terms of “making things happen” efficiently;
2.  ask your colleagues to provide the manual labour required for packing and shifting cartons or   machinery. It’s almost certainly against the terms and conditions of your business insurance;
3.  assume that your delivery vehicle will be able to find a parking space that’s convenient,   through   good  luck on the day itself. Make arrangements in advance to be sure that the   vehicle can be parked   close to your premises;

For more details, please visit - https://www.christchurchremovals.co.nz/office-removals-top-dont-do-tips/