Rail Freight Cargo Insurance

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Specialist cargo protection for goods transported by rail - covering loss, damage, derailment, handling incidents, theft, weather-related events and multimodal risks.

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GET A QUOTE NOW

We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

SPECIALIST COVER FOR RAIL FREIGHT OPERATORS

  • Cargo icon

    CARGO DAMAGE

  • Loss icon

    LOSS & THEFT

  • Transit icon

    RAIL TRANSIT RISKS

  • Incident icon

    DERAILMENT & IMPACT

Rail Cargo Insurance Built for Modern Supply Chains

Whether transporting goods domestically or part of an international multimodal route, rail freight carries unique risks - from derailment to container impact damage. Our rail cargo insurance protects your goods from departure to arrival.

What Does Rail Freight Cargo Insurance Cover?

Comprehensive protection for goods transported by rail - from loading to final delivery.


  • Loss or damage during rail transit
  • Impact, collision & derailment events
  • Weather damage (storm, flood, heat, cold)
  • Fire, explosion & smoke damage
  • Handling incidents during loading & unloading

  • Cargo theft & pilferage
  • Damage to containers or rail wagons
  • Misdelivery & non-delivery events
  • Storage during transit delays
  • All-risks worldwide extensions (optional)

Who Needs Rail Freight Cargo Insurance?

Essential for any business moving goods via domestic or international rail networks.


  • Rail freight operators & logistics firms
  • Importers & exporters
  • Manufacturers shipping large volumes
  • Retailers with cross-country supply chains
  • Bulk goods distributors

  • Containerised freight owners
  • Third-party logistics providers (3PLs)
  • Rail-linked warehousing operations
  • Businesses using multimodal transport
  • Any company transporting valuable cargo

Why Rail Freight Clients Choose Insure24


  • Specialists in transport & cargo insurance
  • Access to leading UK & international insurers
  • Fast quotations for rail-based logistics
  • Flexible cover for multimodal routes
  • Claims support from dedicated advisors

  • Tailored policies for different cargo types
  • Competitive pricing for large-volume shippers
  • Global cover extensions available
  • Clear documentation & strong communication
  • Support for risk management and surveys

FREQUENTLY ASKED QUESTIONS

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What does rail freight cargo insurance cover?

It covers loss, damage or theft of goods transported by rail - including derailment, impact, handling incidents, fire, weather damage, misdelivery and transit-related storage.

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Is cargo covered during loading and unloading?

Yes - most policies include handling cover for damage that occurs when goods are being loaded onto or unloaded from rail wagons.

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Does this insurance cover multimodal transport?

Yes - rail cargo insurance can be part of a wider multimodal policy covering road, sea or air links in the supply chain.

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Are high-value goods covered?

Yes - high-value shipments can be insured, though some insurers may require additional security, packaging or route assessments.

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Is international rail freight covered?

International extensions are available, including European rail routes and cross-border multimodal movements.

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