What is goods in transit cover?
Goods in transit cover protects the items, stock or materials you carry in your van against loss, theft or damage while being transported. It is separate from your van motor insurance.
What goods in transit cover protects
Your motor policy covers the van, not what is inside it. Goods in transit cover fills that gap for the items you carry.
- Stock and products being delivered to customers.
- Materials and supplies carried to a job.
- Goods carried for others, which is especially important for couriers.
It typically covers loss, theft and accidental damage while the goods are in transit, up to an agreed limit per load.
Who needs it
Goods in transit cover is most relevant if you deliver items, carry stock or move things on behalf of clients. Couriers and hire-and-reward drivers often require it, and some contracts will not let you start work without it. Check the single-load and total limits, plus any exclusions for unattended vehicles. Comparing quotes helps you match the cover limit to the value of the goods you regularly carry.
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Is goods in transit the same as tools-in-transit?
Not quite. Goods in transit covers items and stock you carry, often for others, while tools-in-transit covers your own working equipment.
Do couriers legally need goods in transit cover?
It is not always a legal requirement, but many clients and delivery contracts insist on it before you can take on work.
Does it cover goods left in the van overnight?
Often with conditions. Many policies limit or exclude cover for goods left unattended, so check the overnight and security terms.