What is goods in transit insurance?
A goods in transit insurance policy is designed to protect drivers who regularly use their van or pickup to transport goods, tools and materials in connection with their business.
Put simply, it's an insurance type that focuses on providing a high level of cover for the contents of your van. It is particularly useful for couriers and those in the haulage industry, and can provide the peace of mind that comes with knowing that should your or your customer's materials, goods or cargo be lost, stolen or damaged in transit, you could have help recovering the cost.
Do I need it?
Different van insurance policies may offer different levels of cover depending on the type and frequency of the cargo you carry. The right policy type for you will depend on your personal circumstances. If you use your van or pickup for transporting goods, you will generally fall into one of the following categories;
- Own goods - If you're using your van or pickup to carry your own work-related goods, tools and equipment, you'll need a commercial van insurance policy. Different insurers will offer varying levels of cover, which you should compare before making any purchase.
- Haulage - If you use your van to transport other people’s goods, or get paid to move cargo, you’ll need a policy that covers you for haulage, such as courier or GIT (Goods In Transit) cover. Again, these policies will offer varying levels of cover, dependent on the insurer.
When filling out our van insurance quote form, you’ll be asked to select which class of use you need. Making the right choice here will help you and your business get the protection you need from your policy. Your selection will also impact the premium you pay - you can read more about this in our guide to van insurance rating factors, or click the ‘Get a quote’ button above to start comparing prices in minutes.