If you run a construction business, you already know the job doesn’t start when the digger turns up on site—it starts the moment plant and equipment begin moving. And that’s exactly where many insurance gaps hide.
Two covers often confused (and sometimes incorrectly assumed to be “the same thing”) are machinery movement insurance and transit insurance. Both relate to things being moved, but they protect against different risks, in different places, and under different policy wordings.
This guide breaks down what each policy is for, how they differ, and how to decide what you actually need—especially if you’re moving excavators, dumpers, rollers, generators, compressors, MEWPs, attachments, and specialist construction machinery.
Machinery movement insurance (sometimes called plant movement cover or machinery relocation cover) is designed to protect construction plant and machinery while it is being moved as part of a relocation—typically:
From one site to another
Within a site (e.g., moving a crane base, shifting a telehandler to a new compound)
Into or out of a building/structure
During loading/unloading and positioning
It’s most commonly used when the movement itself is a high-risk operation, such as:
Lifting machinery with a crane
Winching plant up/down ramps
Skidding machinery into position
Using low-loaders and specialist haulage
Moving large or unusual equipment that needs route planning
While wordings vary, machinery movement insurance commonly covers:
Accidental damage to the machinery during movement
Loss or damage during loading/unloading
Damage caused by overturning, slipping, dropping, impact, or collision
Damage during positioning/installation (where movement is part of set-up)
Some policies can also be arranged to include:
Hired-in plant being moved
Accessories/attachments (buckets, breakers, forks)
Tools or ancillary equipment moved with the plant
Machinery movement cover often has exclusions or conditions around:
Mechanical or electrical breakdown (usually not covered unless caused by an insured event)
Wear and tear / gradual deterioration
Poor maintenance
Incorrect securing or inadequate packing
Overloading or using unsuitable lifting gear
Unattended vehicles or theft without forcible entry (depending on wording)
The key point: machinery movement insurance is focused on the risk of moving heavy plant as an operation, not just “goods in a vehicle.”
Transit insurance (often called goods in transit insurance) is designed to cover property while it is being transported—usually by road in the UK, but sometimes including sea/air/rail depending on the policy.
In construction, transit insurance is commonly used for:
Tools and small plant in vans
Materials and components (timber, steel, fixings)
Specialist items being delivered to site
Client-owned items you’re transporting
High-value equipment being moved between depots
Transit insurance typically responds to events like:
Road traffic accidents
Fire
Theft from a locked vehicle
Collision damage
Sometimes loading/unloading (but not always—this is where the detail matters)
A standard transit policy may include:
Theft (often with strict security requirements)
Accidental damage during transit
Fire and explosion
Collision/overturning of the carrying vehicle
Some policies are written on a named-perils basis (specific events) while others are broader. The wording matters.
Transit insurance often excludes or restricts:
Unattended vehicles (especially overnight)
Theft without visible forcible/violent entry
Tools left on open vehicles
Inadequate locking or alarm requirements
Damage during lifting/craning (often treated differently than “normal transit”)
High-risk items unless specifically declared
Transit insurance is usually best for “property in a vehicle,” not necessarily “plant being lifted and positioned.”
Here’s the simplest way to think about it:
Transit insurance protects items while they are being transported.
Machinery movement insurance protects plant while it is being moved/relocated as an operation, including higher-risk handling.
In real life, a single relocation can include both phases:
Loading an excavator onto a low-loader
Road transport to the next site
Unloading and positioning
Depending on policy wording, phase (2) might be “transit,” while phases (1) and (3) might be “movement.” If you only have one of the covers, you can end up with a gap.
|
Feature |
Machinery movement insurance |
Transit insurance |
|---|---|---|
|
Primary purpose |
Protects plant during relocation/handling |
Protects goods/equipment while transported |
|
Best for |
Heavy plant, cranes, specialist machinery |
Tools, materials, equipment in vans/vehicles |
|
Loading/unloading |
Often included (key benefit) |
Sometimes limited or excluded |
|
Lifting/positioning |
Often included |
Often excluded or restricted |
|
Typical triggers |
Dropping, slipping, overturning during handling |
RTA, theft, fire, collision |
|
Common conditions |
Method statements, competent operators, lifting gear standards |
Vehicle security, locks, alarms, unattended rules |
You’re more likely to need machinery movement insurance if you:
Move heavy plant regularly (excavators, dozers, rollers, telehandlers)
Use cranes or lifting operations to relocate equipment
Move machinery into buildings, basements, or tight access areas
Relocate specialist engineering equipment (piling rigs, crushers, screeners)
Operate as a plant hire company delivering and collecting equipment
It’s also relevant for:
Civil engineering contractors
Groundworks firms
Demolition contractors
Rail and infrastructure contractors
Utilities contractors
You’re more likely to need transit insurance if you:
Carry tools and equipment in vans daily
Deliver materials to sites
Transport client-owned items
Move small plant (generators, welders, compressors)
Have multiple vehicles and staff transporting equipment
Transit insurance is especially important if you’ve ever assumed your motor policy “covers the contents.” Most motor policies do not automatically cover tools and equipment unless specifically arranged.
What happened: Operator reverses down ramps; machine slips and damages boom and hydraulics.
Likely cover: Machinery movement insurance (handling/unloading).
Common gap: Transit policy may argue unloading isn’t covered or is limited.
What happened: Van is broken into outside an employee’s home.
Likely cover: Transit insurance (theft from locked vehicle) if security conditions are met.
Common gap: If the policy excludes overnight theft at home addresses, claim may be declined.
What happened: Vehicle collision on motorway damages the plant on the trailer.
Likely cover: Transit insurance (accident during transport) or movement cover if written broadly.
Common gap: Confusion over whether the plant is covered under motor, transit, or movement.
What happened: Lifting slings fail; machine drops and is written off.
Likely cover: Machinery movement insurance (lifting operation), subject to conditions.
Common gap: Transit won’t respond to lifting/craning unless explicitly included.
In many construction and engineering operations, yes—especially if you move high-value plant and also carry tools/materials.
A common approach is:
Contractors’ plant insurance for plant on site and sometimes hired-in plant
Machinery movement insurance for high-risk relocation/loading/unloading/positioning
Transit insurance for tools, materials, and equipment in vehicles
The right combination depends on:
Value of plant and frequency of moves
Whether you use your own haulage or subcontract it
Whether you lift/position machinery as part of the move
Security arrangements for vehicles and storage
Use these questions to avoid gaps:
What exactly is being moved? (Excavators vs tools vs materials)
Who is moving it? (Your staff, a haulage firm, a crane contractor)
Does the policy cover loading/unloading? If yes, under what conditions?
Is lifting/craning included? Any limits, method statement requirements, or exclusions?
Are hired-in items covered? Are there sub-limits?
What are the theft conditions? (Locks, alarms, trackers, unattended rules)
What territorial limits apply? UK only or EU too?
What are the single-item limits and total load limits?
How is value defined? Replacement cost, market value, or indemnity basis?
What evidence is needed for a claim? Photos, police crime reference, maintenance logs, training records.
Insurers price these covers based on frequency of movement, values, and loss history. Practical steps that can help:
Keep an updated plant and equipment schedule with values and serial numbers
Use competent operators and keep training records (e.g., CPCS/NPORS)
Follow documented method statements for lifts and relocations
Use reputable haulage and lifting contractors with their own insurance
Improve vehicle and yard security: immobilisers, trackers, CCTV, secure compounds
Avoid leaving tools in vehicles overnight; use locked containers where possible
When you speak to a broker, be ready to share:
Types of plant and maximum single item value
How often you move plant between sites
Whether you load/unload with ramps, winches, cranes, or forklifts
Whether you subcontract haulage or do it in-house
Where vehicles are kept overnight and what security is in place
Any previous claims (even small ones)
A good broker will help you align the cover with your actual operations rather than forcing you into a generic “one-size-fits-all” policy.
Not usually. Contractors’ plant insurance typically covers plant while on site, in storage, and sometimes in transit. Machinery movement is more focused on the higher-risk handling and relocation phases. Some plant policies can be extended to include movement—always check the wording.
Often no, or only up to a small amount. Tools and equipment usually need a separate transit policy (or a specific extension).
Sometimes, but it may be limited. Many disputes happen here. If loading/unloading is a key exposure for you, confirm it in writing.
Possibly. The haulier may have their own insurance, but you should verify limits, exclusions, and whether it covers your specific machinery. Many contractors still insure their own plant to avoid relying on third parties.
They can be, but they’re often subject to sub-limits or need to be specifically listed. If attachments are high value, declare them.
This depends on unattended vehicle conditions, security requirements, and whether the policy treats it as transit or movement. These are high-risk scenarios—ask your broker how the policy responds.
If your biggest risk is tools/materials being stolen or damaged while transported, transit insurance is essential.
If your biggest risk is high-value plant being damaged during loading, unloading, lifting, or positioning, machinery movement insurance is the smarter fit.
And if you do both (which many construction firms do), the goal is simple: no gaps between “handling” and “transport.” The right policy structure should reflect how your machinery actually moves in the real world.
If you’re unsure whether your current cover includes loading/unloading, lifting operations, or hired-in plant, it’s worth reviewing now—before the next move becomes the next claim.
Speak to a specialist commercial insurance broker who understands construction and engineering risks, and get your cover aligned to your plant values, movement methods, and real on-site operations.
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