What is goods in transit cover for couriers?
Goods in transit cover protects the parcels and cargo you carry against loss, theft or damage while in your vehicle. It pays to replace or repair goods, not your van itself.
What it covers and why it matters
While hire and reward insures you to drive for payment, goods in transit protects the items you are actually delivering. If a parcel is stolen from your van, damaged in an accident or lost in a fire, this cover meets the cost.
- Loss or theft of goods while loaded or in transit.
- Accidental damage to parcels during a journey.
- Loss following fire or a road traffic accident.
Policies carry a cover limit per load, so check the figure matches the value you typically carry. Many clients and platforms set a minimum level you must hold. Some policies exclude high-risk items, so read the terms. Compare courier insurance quotes to find a goods in transit limit that fits your work.
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How much goods in transit cover do I need?
Match the limit to the maximum value you carry at once. Common limits run into the low thousands per load, but check client requirements.
Does goods in transit cover the goods at my home or depot?
Usually only while in transit. Storage at home or a depot often needs a separate add-on or warehouse cover.
Are all goods covered?
No. Cash, jewellery, livestock and hazardous items are commonly excluded, so check the policy wording before accepting such loads.