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Physical loss or damage
Declared goods may be insured against selected accidental loss or damage while in transit, within the agreed territorial and policy terms.
Goods on the move
Goods in Transit Insurance
Compare protection for declared goods while they are being collected, carried and delivered—matched to the load, vehicle, route and responsibility for the goods.
FCA-authorised broker
Own goods and customer goods
Cover subject to underwriting
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Working with insurer markets
Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.
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- CHUBB
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- AXA
Match cover to responsibility
Protect goods through the collection and delivery chain
The right basis depends on who owns the goods, who is responsible for them and the contract governing the movement. Vehicle insurance does not automatically insure the load.
Theft in transit
Cover can respond to insured theft, but locks, alarms, tracking, parking and unattended-vehicle conditions can be decisive.
Loading and unloading
Goods may need specific protection during collection, loading, unloading and delivery rather than only while the vehicle is moving.
Temporary storage
Some wordings allow limited storage during transit; warehouses, depots or longer storage periods may require separate cover.
Carrier liability
Businesses carrying customer goods may need liability cover based on their legal or contractual responsibility, not only cargo protection.
Associated business risks
Commercial motor, public liability, employers’ liability and interruption cover are separate exposures that may need to sit alongside transit cover.
Different transport roles
Who needs goods in transit insurance?
The policy basis should reflect whether you carry your own stock, customer property or both.
Hauliers and carriers
Operators moving customer consignments under RHA, CMR, bespoke or other agreed trading conditions.
Couriers and delivery fleets
Parcel, same-day and multi-drop operators with frequent handovers, theft and misdelivery exposure.
Retailers and wholesalers
Businesses collecting or delivering their own stock between suppliers, premises and customers.
Trades and installers
Firms carrying materials, equipment or customer goods to and from work sites or installation locations.
Goods in transit and carrier liability are not the same cover.
Goods cover protects the insured property interest; carrier liability protects an insured legal or contractual responsibility for goods belonging to others. Confirm which basis applies before relying on a limit.
Prepare for underwriting
Information insurers need for a transit quote
Clear maximum values and security details make comparisons more reliable.
- Goods carried and any excluded or theft-attractive commodities.
- Maximum value on one vehicle, load and any one location.
- Whether the goods are owned, sold, hired or belong to customers.
- Vehicles, routes, territories and delivery patterns.
- Locks, alarms, tracking, key control and overnight parking.
- Contracts, subcontractors, claims history and required limits.
Check the detail
Common goods in transit cover gaps
Policy conditions often matter most at the point a theft or damage claim occurs.
Unattended vehicles
Theft cover may depend on where and when the vehicle was parked and whether required security was operating.
Packing and deterioration
Inadequate packing, ordinary wear, inherent vice and gradual deterioration are commonly restricted or excluded.
Delay and consequential loss
Late delivery, lost contracts and wider financial consequences are not automatically covered by physical-goods insurance.
Undeclared goods or values
Restricted commodities and loads above the declared maximum can fall outside the agreed cover or limit.
Common questions
Goods in Transit Insurance FAQs
What does goods in transit insurance cover?
Subject to the wording, it can cover declared goods against selected loss, theft or damage while being collected, transported and delivered.
Does commercial vehicle insurance cover the goods?
Not automatically. Commercial motor normally covers the vehicle and road liabilities; the load needs an appropriate goods in transit, cargo or liability basis.
Can customer goods be covered?
They may be, but the policy must reflect your legal or contractual responsibility for those goods and any trading conditions used.
Are goods covered in an unattended vehicle?
Only within the policy conditions. Approved locks, alarms, tracking, secure parking and restrictions on overnight or unattended parking may apply.
Does cover include loading and unloading?
It can, but the start and end of transit and any loading or unloading conditions should be checked in the wording.
What affects the cost of goods in transit insurance?
Pricing can depend on commodities, maximum load values, vehicles, routes, territories, security, contracts, subcontractors, claims history, limits and excesses.
Compare goods on the move quotes
Tell us what is carried, who owns it, the maximum load value, routes, contracts and vehicle security so the correct transit basis can be compared.