Fleet & Motor

Goods in Transit Insurance

Protect the cargo you carry against loss, theft, and damage during transport. Essential cover for hauliers, couriers, and any business that moves goods by road, ensuring you can meet your contractual obligations.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Goods in Transit Insurance Cover?

Goods in transit insurance protects cargo while being transported. Coverage options include:

All Risks Cover

Comprehensive protection against loss or damage from any cause including accidents, theft, and fire.

Named Perils

Cover for specific risks such as fire, theft, and road traffic accidents – more practical option.

Own Goods

Protection for your own stock and materials while being transported between locations.

Customers' Goods

Cover for goods belonging to others that you're carrying under contract (haulage for hire and reward).

Loading & Unloading

Protection while goods are being loaded onto or unloaded from your vehicle.

Temporary Storage

Cover for goods stored temporarily during transit, such as overnight stops.

Refrigerated Goods

Specialist cover for temperature-sensitive cargo including breakdown of refrigeration equipment.

Hazardous Goods

Cover for ADR-classified dangerous goods requiring specialist handling.

CMR Liability

Cover for your legal liability under the CMR Convention for international road haulage.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Cargo Protection

Financial protection when goods are lost, stolen, or damaged – meet your contractual obligations.

Customer Confidence

Demonstrate professionalism to customers by having proper cargo insurance in place.

Contractual Compliance

Meet insurance requirements specified in haulage contracts and customer agreements.

Rapid Claims

Quick settlement of claims to maintain cash flow and customer relationships.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Haulage and logistics companies
Courier and delivery services
Removal companies
Distribution businesses
Manufacturers moving own goods
Retailers with delivery fleets
Specialist carriers (refrigerated, hazardous)
International road hauliers

What We'll Need for Your Quote

1
Type of goods typically carried
2
Maximum value per vehicle/load
3
Annual carryings value
4
Vehicle types and quantities
5
Geographic area of operations
6
Security measures in place
7
Claims history for the past 5 years
8
Customer contract requirements

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Frequently Asked Questions

Is goods in transit insurance a legal requirement?

It's not legally required, but most haulage contracts require it. Without cover, you'd be personally liable for any loss or damage to customers' goods. For international haulage, CMR liability insurance is effectively mandatory.

What's the difference between own goods and haulage for hire and reward?

Own goods cover protects your own stock while being transported. Haulage for hire and reward covers goods belonging to customers that you're carrying under contract. Most hauliers need the latter.

How much cover do I need?

Cover should match the maximum value of goods you carry in any one vehicle or load. Consider the most valuable load you might carry, not just typical loads. Underinsurance could leave you exposed.

Are there goods that can't be covered?

Some goods are difficult to insure or excluded, including cash, jewellery, fine art, and live animals. Hazardous goods need specialist cover. We can advise on cover for unusual or high-value cargo.

What security do I need for goods in transit cover?

Requirements depend on the goods carried. Typical requirements include vehicle immobilisers, secure parking, and driver vigilance. High-value goods may need tracking, secure curtains, or accompanied loads.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.