Statutory liability under the German Commercial Code
Abridged answer:
In the event of a move, the moving company is liable for damages incurred during transport according to the statutory provisions of the German Commercial Code (HGB).
The legal liability for a move is governed by §451e of the German Commercial Code (HGB). The liability is legally limited and based on the weight of the transported moving goods.
This means:
- Damage during transport may be covered.
- Liability is only valid within the legal framework
- Not all damage is automatically fully reimbursed.
The basic statutory liability is:
- 620 € per cubic meter of loading volume
This regulation applies to private moves within Germany.
Time value
Abridged answer:
In the event of a claim, the current market value, not the original purchase price, is usually reimbursed.
Many customers assume that furniture is automatically insured at its replacement value. However, according to the German Commercial Code (HGB), reimbursement is usually based on the current market or depreciated value.
Example:
- A 10-year-old wardrobe will not be replaced at its original new price.
- The decisive factor is the current value at the time of the damage.
Therefore, additional insurance can be useful for high-quality furniture, technology, or special items.
When is additional transport insurance worthwhile?
Abridged answer:
Additional insurance is particularly recommended for high-quality furniture, electronics, or delicate items.
For many normal household moves, the statutory HGB liability is sufficient. However, for higher-value moving goods, additional transport insurance can be sensible.
This includes, for example:
- Designer furniture
- high-quality electrical appliances
- Artworks
- Antiques
- Musical instruments
- fragile glass objects
Additional insurance can be arranged individually and offers extended coverage beyond the statutory basic liability.
What is excluded from liability?
Abridged answer:
Not all damage automatically falls under the statutory liability according to the HGB.
Among other things, the following may be excluded from liability:
- Force majeure damage
- inadequately packaged items
- Damage to plants or perishable goods
- Cash, jewelry, or important documents
- Customer's own packaging
To ensure a safe move, we recommend:
- mark sensitive items separately
- to communicate high-quality objects in advance
- using professional packaging materials
Professional furniture transport with insurance in Munich
Abridged answer:
Umzug Ruck Zuck offers professional moving services in Munich with transparent liability and secure transport solutions.
Safe furniture transport begins with good planning, professional packing, and experienced moving helpers. That's why Umzug Ruck Zuck works with:
- safe transport methods
- Protective covers and straps
- experienced specialists
- clear liability regulations
Our goal is a transparent and safe move in Munich without hidden risks.
Frequently Asked Questions About Moving Liability
Is my furniture insured during the move?
Yes. For transport, the statutory liability according to the HGB applies.
What happens in case of damage?
The damage will be assessed and settled within the scope of legal liability.
Does the insurance also apply if I move within Munich?
Yes. Statutory liability also applies to moves within Munich.
Is supplementary insurance mandatory?
No. It is optional but can be useful for valuable items.
Are furniture items replaced at their new value?
As a rule, reimbursement is made based on the current value.
Transparent moves with clear regulations
Clear information about liability builds trust and helps to better estimate moving costs and risks. Therefore, Umzug Ruck Zuck provides open information about insurance, legal liability, and additional protection options.
If you have questions about your move in Munich or about suitable transport insurance, we would be happy to advise you in person.
