SmoothMove is a 24 hour rescue service designed to help protect your client and their immediate family on moving day.

SmoothMove is included automatically at no extra charge with all our mortgage related protection plans. SmoothMove is provided by Inter Partner Assistance (IPA), one of the largest international emergency assistance groups.

Benefits on moving day include:

• Car recovery if your client's car breaks down
• Help if the removal van doesn’t arrive
• Hotel accommodation if the vendor hasn’t moved out, 

Plus once they move in; free legal advice and domestic emergency cover for three months.

To qualify for SmoothMove, the client must be moving house, have a mortgage related protection plan and be paying their premium.

SmoothMove cover starts on the day of their move and once their mortgage related protection plan has started.

Car recovery

• Depending on the problem, IPA will arrange for roadside repairs (labour only) or for the vehicle to be towed to a safe place – either your client’s new home or a reputable garage.
• If necessary, IPA will then reimburse payment for the hire of a similar vehicle so they can reach their new home and a single standard class rail ticket so that the car can be retrieved when it is repaired.

Removal van hasn’t arrived with the household goods or household goods have been lost en route

• If the removal van fails to arrive, IPA will contact the removal company to solve the problem
• If, by the end of moving day, their household goods have not arrived at the new home, IPA will reimburse payment for the emergency purchase of such essentials as toiletries and personal necessities.
• IPA will reimburse payment for up to three nights hotel accommodation while they wait for their goods to be delivered or replaced. In addition, IPA will reimburse payment for the family pet(s) to be kennelled up to three nights.

Vendor hasn’t moved out

• If the vendor hasn’t moved out on completion, IPA will reimburse payment for up to three nights hotel accommodation.
• In addition, IPA will reimburse payment for their pet(s) kennelling plus temporary storage of their household goods while they wait for vacant possession.

The  total maximum amount payable for any one of the above that occur on the day of the move is £750.

After occupation of the new residence

• IPA provide emergency assistance for a period of three calendar months. They will reimburse payment for an approved contractor to carry out immediate repairs for instance a burst pipe or damaged roof.
• IPA will also reimburse any additional costs in rendering your client’s home safe to live in by securing their home and contents against further damage.

The maximum amount payable for any of the above is £250.

Legal cover your clients are entitled to a free 24 hour legal advice helpline, for any matters in connection with the property move. This is available for three calendar months from the date of the move.

For full details of SmoothMove, and what is and isn’t covered, please see the SmoothMove key features (PDF).