More About Goods in Transit Insurance
- Choose between £10K, £25K, and £50K Cover
Goods in Transit Insurance
Goods in Transit Insurance — Protect the Cargo You Deliver
Goods in transit insurance covers the cargo you transport from one location to another as part of your courier or delivery work. Your vehicle insurance covers the van — but it does not cover the goods inside it. If items are damaged, stolen, or lost during delivery, you could be held personally liable for the full cost. Goods in transit insurance protects you against these risks, with cover starting from £92.60 per year for £10,000 of cover.
At Vehicle Cover, our goods in transit policies are designed specifically for couriers, parcel delivery companies, and light haulage businesses. Standard cover includes up to 10 vehicles on one policy, vehicles up to 8.25 tonnes, European territorial limits, CMR cover as standard, and hand-held scanner cover up to £1,000. For drivers working with TNT, FedEx, Parcelforce, DHL, Yodel, UK Mail, Amazon, DPD, and Hermes, £50,000 cover is automatically included at no additional charge.
Optional extras include public liability and employer's liability — all under one policy underwritten by Chubb Insurance. Choose your cover level from £10,000, £25,000, or £50,000.
Get a quote online or call us on 01323 416706.
Why Our Goods in Transit Insurance
1. Cover from £10,000 to £50,000 per vehicle
2. Up to 10 vehicles on one policy
3. Vehicles up to 8.25 tonnes covered
4. European territorial limits and CMR cover as standard
5. Hand-held scanner cover up to £1,000 included
6. £50,000 auto-included for TNT, FedEx, Amazon, DPD, Hermes
What's NOT Covered
1. Goods left in an unlocked or unsecured vehicle
2. Items not declared or exceeding the cover limit
3. Damage caused by inadequate packaging
4. Wilful damage or intentional acts
5. High-theft risk goods (economic product excludes these)
Key Features of Our Goods in Transit Insurance
Your vehicle insurance covers the van — but not the goods inside it. Vehicle Cover goods in transit insurance protects the cargo you deliver against damage, loss, and theft.
From £92.60/Year
Competitive cover starting from £92.60 per year for £10,000 of goods in transit protection. Choose from £10K, £25K, or £50K cover levels.
Major Networks Auto-Covered
Drivers working with Amazon, DPD, Hermes, TNT, FedEx, Yodel, and DHL get £50,000 cover automatically included at no additional charge.
Vehicle Cover goods in transit policies are designed for couriers, parcel delivery companies, and light haulage businesses. Our cover is underwritten by Chubb Insurance with European territorial limits and CMR cover as standard.
Couriers, parcel delivery, and light haulage
Sub-contractor cover up to 20% of annual turnover
Hand-held scanner cover up to £1,000 included
Optional public liability and employer's liability
● DETAILS
Additional Goods in Transit Insurance Details
Existing customers, please call:01323 416706
Our flexible, affordable Goods in Transit cover can insure: Couriers, Van owners who transport goods for payment, Delivery drivers, Lifestyle couriers, and more, withprices starting at £92.60for £10,000.00 Goods in Transit cover!
Our policies provide excellent cover. Get a quote online in minutes, and protect yourself today.
If you use your vehicle to deliver goods for customers, you will need our Goods in Transit Insurance, Public Liability Insurance, and Employers' Liability Insurance, designed specifically for Couriers, all under one policy underwritten by Chubb Insurance.
Goods in Transit insurance with UK Sure brings you the following benefits and features as standard:
- Cover up to 10 vehicles in one policy
- Cover for Vehicles up to 8.25 tonne maximum authorised mass
- Designed for Light Haulage, Courier and Parcel Delivery Companies
- cover for Sub-contractors (subject to a maximum of 20% of annual turnover)
Wide European Territorial Limits included as standard
CMR (Convention on the Contract for the International Carriage of Goods by Road) cover is included as standard
- Hand-held Scanner cover to £1,000 automatically included
- Option to extend to include Public and Employer’s Liability
Choice of your contract limit per vehicle
£50,000 cover automatically included for TNT, FEDEX, Parcelforce, DHL, Yodel, UK Mail, Amazon, DPD, and Hermes at no additional charge.
Goods in transit insurance covers the cargo (goods or products) you transport from one location to another as part of your courier work. It is not a legal requirement, but covering the risks you face when transporting other people’s goods is highly recommended. Without it, somebody could hold you personally liable for issues arising while delivering goods. Couriers and haulers also need insurance for their vehicles and public liability. Alongside these, goods in transit insurance provides full cover for the risks you face while on the road. It could only take an emergency stop in a vehicle to send tens of thousands of pounds worth of products tumbling into each other and causing irreparable damage. Or the security of your vehicle might be compromised while goods are transported between destinations, with items stolen as a result. Goods in transit insuranceprotects the goods you transportas a courier against damage or destruction, loss, theft, delayed delivery, and consequential losses for items not delivered correctly.
Public liabilty will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities.
A Public Liability policy would protect you against the costs of compensation and the legal expenses incurred during the claims process!
Employers' Liability
If you are unsure whether you are required to carry Employers' Liability cover, you should seek professional advice. You can find more information athttp://www.hse.gov.uk/pubns/hse40.pdf. You are legally obliged to have employer liability insurance if you are an employer. You can be fined up to £2,500 every day you do not have appropriate insurance. Employers' liability insurance covers the compensation cost and any associated legal fees.
Is it required as a contractor?
Some larger networks, such as DHL, TNT, and Parcelforce, may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover from your employer.
How much employer liability cover do I need?
Under the terms of the Employers' Liability (Compulsory Insurance) Act 1969, you must have a minimum indemnity limit of £ 5 million.
This insurance(Goods in Transit) is arranged by Arya Underwriting who is also the policy administrator and is underwritten by Chubb Insurance
This insurance(Goods in Transit) is arranged by Arya Underwriting who is also the policy administrator
This insurance(Liability) is arranged by Arya Underwriting who is also the policy administrator and is underwritten by Chubb Insurance
- Cover up to 10 vehicles in one policy
- Cover for £10,000.00 Goods in Transit only £92.60
- Wide European Territorial limits included as standard
- Pay annually or in instalments
- Hand-held scanner cover included as standard
- Couriers and van owners delivering goods for payment
- Drivers working with Amazon, DPD, DHL, and similar networks
- Businesses needing CMR, Public, and Employers’ Liability cover
● FAQS
Frequently asked questions
1. What is goods in transit insurance?
Goods in transit insurance covers the cargo you transport against damage, loss, theft, and delayed delivery. It is separate from your vehicle insurance and protects you against personal liability for items in your care. Call 01323 416706 for a quote.
2. Is goods in transit insurance a legal requirement?
It is not a legal requirement, but it is strongly recommended. Without it, you could be held personally liable for the full cost of goods damaged or lost during delivery. Most courier networks and clients expect you to have it.
3. How much does goods in transit insurance cost?
Prices start from £92.60 per year for £10,000 of cover. Higher cover levels of £25,000 and £50,000 are available. Call 01323 416706 or get a quote online for an exact price.
4. Does it cover goods for Amazon, DPD, and Hermes?
Yes. For drivers working with TNT, FedEx, Parcelforce, DHL, Yodel, UK Mail, Amazon, DPD, and Hermes, £50,000 goods in transit cover is automatically included at no additional charge.
5. Can I add public liability to my goods in transit policy?
Yes. Public liability and employer's liability can be added as optional extensions — all under one policy. This covers you for injury or property damage while carrying out your delivery work.
6. How many vehicles can I cover on one policy?
You can cover up to 10 vehicles on a single goods in transit policy, with cover for vehicles up to 8.25 tonnes maximum authorised mass.
7. What are goods in transit insurance?
Goods in Transit insurance covers items from theft, loss or damage while they are being transported by vehicle from one place to another in the course of business. Examples include furniture removal and couriers or hauliers working for online retailers.
8. What is carriers transit insurance?
Carriers insurance is designed for transport operators to cover the cargo they carry in transit as a principal, subcontractor, or when contracting to a subcontractor.
9. What is the difference between goods in transit and carriers liability?
GIT Policies are peril-based, not liability-based. They benefit the Goods Owner, whereas a Carrier's Liability Policy is designed to protect the Transporter, as the Carrier.
10. Who is responsible for cargo insurance?
As the shipper, you are responsible for arranging insurance as necessary. In some cases, the option of insuring cargo is something the carrier or freight forwarder will specifically highlight to you. The level of the insurance premium depends on several factors, including: the value and nature of the goods.
11. Do I need goods in transit insurance?
No, goods in transit insurance is not a legal requirement. However, it is highly recommended as it protects goods during transportation against theft, damage, or loss.
12. What is not covered in cargo insurance?
Most cargo insurance excludes the following: Intentional misconduct by the insured cargo owner. Losses caused by delay or loss of market. Losses caused by wear and tear, ordinary leakage, or ordinary loss in weight or volume.
13. Is cargo insurance necessary?
Cargo insurance is essential for businesses to safeguard against transportation risks, theft, natural disasters, regulatory compliance, supply chain disruptions, and geopolitical situations.