Need Insurance for Goods in Transit?

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Jump to section

  • What should I consider?
  • Do I need public liability cover?
  • Quote over the phone
  • FAQs
  • Useful links

Jump to section

  • What should I consider?
  • Do I need public liability cover?
  • Quote over the phone
  • FAQs
  • Useful links

What does goods in transit (GIT) insurance cover?

If you regularly transport tools, equipment, parcels, or materials in your van for work – then goods in transit insurance will cover you in case they’re stolen, lost, or damaged when you’re out and about.

Goods in transit policies are usually bought in addition to van insurance and are usually split into two categories:

  • Carriage of own goods – you’d fall into this group if you’re carrying goods or tools that belong to you in relation to your work
  • Haulage – this would apply to you if the cargo you’re carrying belongs to other people and you’re simply transporting the goods – if you’re a courier, for example

While not required by law, most customers and clients would insist on GIT insurance, so it would be impossible to win any business contracts without it.

Who might need goods in transit (GIT) cover?

A GIT policy could cover any of the following businesses or situations where goods have been contracted to move from one location to another:

  • Courier drivers who are self employed
  • Hauliers working for online retailers
  • Man and Van drivers
  • Removal contractors
  • Car Transporters
  • Vehicle recovery businesses
  • Haulage Vehicles
  • One-off house moves

We’re proud of the fact that we have an alternative to online forms, when it comes to comparing insurance quotes; it’s another way that you can save money. Call 0330 022 8825

Goods in Transit FAQs

What should I consider for GIT insurance?

As with any form of insurance, it’s important to go for a policy that really meets your needs. If you’re underinsured and need to make a claim, the likelihood is, that you’ll be liable for the difference. Here’s what to consider:

  • Be clear about what is being covered – most goods in transit policies will cover you for loss, theft and damage, but check to see if any limits or restrictions apply. For example, do you need to leave the goods locked up in your vehicle overnight?
  • Helplines – look for helplines available seven days a week, 365 days a year – because accidents can happen at any time.
  • Amount of cover – the maximum you can claim will vary according to insurer, so look for one that’ll cover you for what you need. 
  • Excess – different policies will have different compulsory and voluntary excess amounts so if budget’s a concern, then compare what’s on offer.
  • Old for new – not all insurers offer old for new but if you have this included, it means that if your tools (for example) are stolen, you’ll get a new replacement or the equivalent value. Opting for this may push up your premium, but if you rely on your tools for work then it could save you money in the long run.

Do I need public liability cover?

Public liability cover is not mandatory, it will generally be an optional add-on during the quotation process. However, it is worth considering what might happen to your business in the event of a large liability claim, for example a claim by a member of the public that has suffered injury or property damage as a result of your business. Being protected against the cost of compensation to be paid out and legal expenses incurred by a claims process, can give you peace of mind.

What’s the benefit of getting insurance quotes over the phone?

When you compare quotes over the phone, you’ll be speaking  to an expert who can assist you in completing the quotation process. This will help get quotes tailored to your specific needs, and help you save money. Call 0330 022 8825

Sort your van insurance policy out today