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Insurance verified before an operator can take a job

How to Choose a Removal Company

Almost nobody books a removal company often enough to get good at judging one. This page is the due diligence: the two insurance policies that matter, how to tell a fixed price from an estimate that will move on the day, and the deposit and review patterns that should end the conversation. TowManVan rates start at £35 per hour.

Get a fixed price Download the app
£35/hr
from, fixed before you confirm
£10,000
minimum goods-in-transit cover
£0
deposit to book
A removal company should give you three things before you book: a goods-in-transit insurance certificate with the cover limit on it, public liability cover, and a price that is fixed rather than an estimate. TowManVan verifies both policies for every operator, and rates start at £35 per hour for a small van.

Seven checks before you hand over your keys

None of these take more than a minute, and every one of them is a question a legitimate firm answers without hesitating. The way a company reacts to being asked tells you as much as the answer does.

What to checkGood signWalk away
Goods-in-transit insuranceCertificate emailed on request, with the cover limit stated in pounds and the policy dates visible"We're fully insured" and nothing ever arrives in writing
Public liability coverNamed insurer, policy number and a limit, usually £1m or moreThe van's motor insurance offered as though it were the same thing
Fixed price or estimateA written total, described as fixed, with the specific things that would change it"Roughly", "from", or a number only confirmed once the van is loaded
DepositNone, or a small amount payable by card with a booking confirmationA large deposit by bank transfer to a personal account before any paperwork
How you payCard or in-app payment, receipt issued automaticallyCash only, or a discount for cash with no receipt and no VAT number
ReviewsSpread across months, mention specific details, and include a few mediocre onesTwenty five-star reviews in three days, all in near-identical wording
Who actually turns upA named driver and crew confirmed to you before the dayA call centre that takes the booking and will not say whose van is coming

Goods-in-transit cover: the question most people never ask

"Fully insured" is the most overused phrase in UK removals and it means nothing on its own. The policy you actually care about is goods-in-transit, which covers your belongings while they are being handled and carried in the vehicle. Ask for the certificate by email. It takes a genuine operator about thirty seconds to forward it, and there are only three things to look at when it arrives: the trading name (does it match the company you are booking?), the policy dates (is it current on your moving date?), and the cover limit expressed in pounds.

That limit is the number that matters. A policy capped at a few thousand pounds is not much use against the replacement cost of a flat's contents, and it is entirely legal for a firm to describe itself as insured while holding a low one. Work out roughly what you are moving, then compare. Every TowManVan operator carries a minimum of £10,000 of goods-in-transit cover, which is sized for the work the platform actually handles: flats, single rooms, part-moves and single items rather than whole-house relocations full of antiques.

Two honest caveats that reputable firms will confirm. Most goods-in-transit policies contain an own-packed exclusion, meaning boxes you packed yourself may not be covered for internal breakage unless the box itself is visibly damaged. And your home contents insurance frequently does not cover items while they are in transit between addresses, so the gap is real rather than theoretical. If a box holds something you could not bear to replace, carry it in your own car.

Public liability is a separate policy doing a separate job. It covers damage to property and injury to other people: the gouged communal stairwell your landlord will bill you for, the neighbour's car door, the lift the building manager charges you to repair. Ask which of the two policies would apply to a scraped hallway wall. An operator who cannot answer that has probably never read either document.

Fixed price, or an estimate that grows on the day

Ask any removal company one question in writing: is this a fixed price or an estimate? They are not the same thing and the difference is where nearly every removals dispute starts. An estimate is a considered guess, and it can move perfectly legitimately once the crew sees the third-floor walk-up, the parking bay forty metres from the door, or twice the volume that was described on the phone. A fixed price is the figure you pay.

Estimates tend to grow in the same handful of ways: an extra hour or two, waiting time while a lift is in use, a stair surcharge that appears once the crew counts the flights, a long carry from the van to the door, or an extra man declared necessary on arrival. None of those are dishonest in themselves. The problem is the moment they are introduced, which is when your possessions are already in someone else's vehicle and you have no leverage left.

TowManVan sets the price in the app before the booking is confirmed. There is no bidding, no callback with a quote, and no renegotiation on the doorstep, because the operator does not set the rate. Hourly work does mean the total depends on hours, so an in-app clock that both you and the driver can see tracks the time, rounded up to the nearest 15 minutes, with a two-hour minimum on every booking. The first 15 miles are included, and a per-mile rate applies beyond that, shown before you confirm rather than added afterwards.

Van sizeHourly rateTypically covers
Small van£35/hrA studio, a bedroom's worth of boxes, a few items of furniture
Medium van£45/hrA one-bed flat, a sofa plus boxes, most part-moves
Luton van£60/hrA two-bed home, wardrobes, appliances, bulkier loads
Optional extraPriceNotes
Second helper£12/hrA third person is charged as an additional helper at the same rate.
Packing service£25/hr per packerOptional. Booked in advance so the right number of packers arrive.
Dismantle and reassemble£30 per itemBeds, wardrobes and flat-pack units that will not go through a doorway whole.
Weekend and evening1.3xApplies to moving work only. There is no weekend surcharge on car recovery.

Every one of those is chosen by you before the job starts, never announced during it. Full detail on how the hours are counted is on man and van prices.

Broker, traditional firm, or platform

Three different business models sit behind the search results, and they fail in three different ways. Knowing which one you are talking to changes which questions are worth asking.

National broker or lead siteTraditional removal firmTowManVan
Who turns upA subcontractor you were not told about until the morningThe company's own crew, usually the same faces each timeA named self-employed operator, shown in the app with their vehicle
How the price is setYour enquiry is sold as a lead, then several firms ring youHome survey or a phone estimate, confirmed later in writingFixed in the app before you confirm, from £35 per hour
InsuranceBelongs to whoever they pass you to; the broker holds none for your goodsUsually solid, but still ask for the certificate and the limitGoods-in-transit £10,000 minimum plus public liability, checked before the first job
DepositOften taken to secure the dateCommon, and reasonable when a date is held weeks aheadNone to book, no membership, no joining fee
Price on the daySet by whichever firm actually arrivesFixed after a survey, movable if it was estimated over the phoneChanges only if you add hours, helpers or extras, tracked on a shared clock
If something breaksYou claim against a company you never choseOne company, one policy, one clear line of responsibilityThe operator's own policy, with the booking, driver and job record held by us
Best forComparing several firms quickly, if you will vet the winner yourselfWhole-house moves, antiques, packing spread over several daysFlats, single rooms, part-moves, same-day jobs and small offices

The broker column is the one to watch. A lead site is not a removal company: it sells your enquiry, holds no insurance over your goods, and its reviews describe the website rather than the crew who turn up. For a straightforward comparison of the platform against a local firm, see man and van or removals.

Three patterns worth ending a conversation over

Most bad removal experiences are not dramatic scams. They are ordinary firms behaving badly under pressure. These three signals appear before the money leaves your account.

Deposit pressure
Especially by bank transfer
A modest card deposit for a date held weeks ahead is normal. A large one demanded by transfer to a personal account, before any written booking exists, is the single most common shape of a removals scam. Card payments give your bank a route to dispute the charge. A transfer to an individual usually gives you none. TowManVan takes no deposit at all.
Cash-only pressure
And the discount that comes with it
Cash is not illegitimate, but cash with no receipt, no invoice and no VAT number leaves you with no proof the job ever happened. If something is damaged, a claim needs a paper trail. The discount for paying cash is usually being funded by the paperwork you are giving up.
Copy-pasted reviews
Read the dates, not the stars
Genuine reviews arrive unevenly over months and mention specifics: a postcode, a stair count, a wardrobe that would not fit. Fakes cluster in a few days, repeat the same three adjectives, and come from accounts with one lifetime review. A real firm also has some three-star reviews, and replies to them.

What TowManVan is, and what it is not

A page about vetting removal companies has an obvious obligation to be straight about itself. TowManVan is not a removal company in the traditional sense. We do not own a fleet, we do not employ crews, and there is no depot with our name on it. We are a platform of vetted self-employed operators with their own vans, matched to jobs through an app. If you want a single company with its own trucks and payroll staff legally on the hook from start to finish, that is a traditional firm and you should book one.

What the platform model changes is where the accountability sits. We set the price, so no operator can renegotiate it with you on a landing. We verify the insurance, so "fully insured" is a document we have read rather than a phrase you have been told. And we hold the record of which named, DBS-checked person did which job, so there is somebody identifiable if something goes wrong. That is deliberately different from a lead site, which introduces you to a stranger and then steps out of the way.

Three things we genuinely do not do, and would rather tell you now than at the door. We do not run storage: if you need your belongings held between a completion date and a move-in date, that is a separate provider and you should book it directly rather than assume a van driver can keep your things overnight. We are not a licensed waste carrier operation: taking goods away for disposal is a different legal activity, requiring an Environment Agency waste carrier registration (or the SEPA and Natural Resources Wales equivalents), and because household waste duty of care sits with you, you can be fined if your items are fly-tipped by someone unlicensed. Always ask for the registration number before letting anyone take things away, and see house clearance for how disposal work differs from a move. And we are not the right choice for a full four-bedroom relocation with antiques, a grand piano or a multi-day insured packing programme.

Where the platform does fit well: flats and shared houses, single-room moves, part-moves where you handle the small items yourself, student and short-notice jobs, and small commercial relocations. If you want two people rather than one, that is a two men and a van booking. If you have a driver but no vehicle, look at removal van hire. If you are moving an office, the sequencing matters more than the van size, which is covered on office removals.

How an operator is vetted before they see a job

Vetting only counts if it happens before the work, not after a complaint. This is the order it runs in.

1
Identity and right to work
Photo ID, right-to-work documents and vehicle details are checked against the person applying, not just uploaded.
2
DBS check
Every operator is DBS-checked before they can be matched to a job. Nobody is let into a home on trust alone.
3
Insurance certificates
Goods-in-transit cover of at least £10,000 and public liability, read against the policy dates and the operator's trading name.
4
Re-checked, not filed away
Policies expire. When a certificate lapses the operator stops receiving jobs until a current one is on file.

Booking takes about 60 seconds, same-day availability included, with no membership and no joining fee. Rates and surcharges in full are on pricing.

Removal company FAQs

Done checking? Get a price

Fixed in the app before you confirm, from £35 per hour, with a DBS-checked operator whose goods-in-transit and public liability cover we have already read. No deposit, no membership.

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EDI - Written by

Mel Carrington - Head of Removals Operations

Mel ran national removal fleets at Pickfords for 15 years before joining TowManVan. She signs off every van-size recommendation, hourly rate and handling standard on this page. Questions? Email mel@towmanvan.co.uk. All figures reviewed August 2026.

Last updated August 2026. Prices verified August 2026 by Mel Carrington.