//Do you really need it?
Yes, be prepared in every scenario!
Scenario 1: Fire
Removalists should typically (but may not be required to) have an insurance called Carriers Liability. This types of insurance may provide some cover for your items, should they be damaged or lost as a result of negligence by the removalist, but not due to other events or accidents (such as fire or theft). This is where standalone transit or moving insurance, which can provide some financial protection for your belongings, may be an option.