Road & Land / UK Goods-in-Transit Insurance

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Specialist cover for goods and cargo transported by road across the UK – for hauliers, couriers, wholesalers and retailers.

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GET A QUOTE NOW

We compare quotes from leading insurers

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

PROTECT GOODS WHILE ON THE ROAD – ANYWHERE IN THE UK

Goods-in-transit cover designed for UK road & land-based transport

Whether you’re a haulage contractor, independent courier, pallet network member, retailer, wholesaler or manufacturer delivering your own goods, Goods-in-Transit Insurance protects cargo while it’s being loaded, carried by road, and unloaded at its destination.

What Road & UK Goods-in-Transit Insurance Can Cover

Protection for goods and cargo while being transported by road within the UK.


  • Loss or damage to goods during loading, transit and unloading
  • Theft, hijack, pilferage and non-delivery (subject to policy terms)
  • Damage from collision, overturning or road traffic accidents
  • Damage caused by fire, theft from locked vehicles and forced entry
  • Cover for own goods or customers’ goods (contract conditions considered)
  • UK-only cover, with options for EU / international extensions
  • Single-vehicle couriers through to multi-vehicle fleets
  • Temperature-controlled and high-value consignments (by agreement)
  • Debris removal, reloading and transhipment costs following an accident

Who Is Road & Land Goods-in-Transit Cover For?

Typical Policyholders


  • Haulage and logistics companies
  • Courier and express delivery firms
  • Pallet network members and depot operators
  • Retailers and wholesalers delivering their own goods
  • Manufacturers transporting finished goods or components
  • E-commerce businesses fulfilling UK road deliveries

Common Goods-in-Transit Risks


  • Vehicle theft with goods on board
  • Theft of goods from vehicles parked overnight
  • Damage to fragile or high-value cargo in an accident
  • Mis-delivery, non-delivery or partial loss of consignments
  • Damage when loading/unloading at depots or customer premises
  • Temperature variations for chilled or frozen goods

Why Arrange Goods-in-Transit Cover Through Insure24?


  • Access to UK insurers specialising in cargo & transit risks
  • Policies tailored to RHA/CMR or bespoke contract conditions
  • Options for UK-only, UK & EU, or wider territories
  • Support for single-vehicle operators through to large fleets
  • Advice on limits per vehicle, per load and per location
  • Ability to integrate with wider fleet or commercial combined programmes
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“Insure24 helped us align our Goods-in-Transit cover with our contracts and customer expectations – now we know our loads are properly insured across the UK.”

Transport Manager, UK Haulage Firm

PROTECT EVERY LOAD, EVERY JOURNEY


  • Cover aligned to your contracts and cargo values
  • Suitable for hauliers, couriers and own-goods operators
  • Options for high-value, fragile or temperature-sensitive goods
  • Support with claims, documentation and risk management
  • Can sit alongside fleet, liability and combined insurance

FREQUENTLY ASKED QUESTIONS

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What is Goods-in-Transit Insurance?

Goods-in-Transit Insurance covers loss or damage to goods while they are being transported, typically from one location to another by road. It protects cargo owners or hauliers against risks such as theft, collision, overturning, fire and accidental damage.

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Is Goods-in-Transit Insurance the same as motor insurance?

No. Motor insurance covers the vehicle and third-party road traffic liability. Goods-in-Transit Insurance specifically covers the value of the goods being carried inside or on the vehicle.

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Do I need cover if I only carry my own goods?

Yes, if you are transporting your own stock, equipment or materials, loss of those goods in transit can still be costly. Goods-in-Transit Insurance can protect your own goods as well as customers’ goods.

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How much Goods-in-Transit cover do I need?

Limits are usually set per vehicle and per event, based on the maximum value of goods carried. We’ll help you choose limits that reflect your typical and peak load values, plus any contractual obligations.

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Does the policy cover overnight parking?

Many policies do cover goods left in vehicles overnight, but there are usually security conditions about where vehicles are parked and how they are locked. We can help you understand and comply with these requirements.

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