- Packages and parcels
- Hazardous goods
- Refrigerated stock
- Livestock
What's the difference between courier insurance and goods in transit cover?
What our van insurance expert says
How to get cheaper goods in transit insurance
Exactly what you pay for your cover depends on a range of factors, from the value of your cargo to the distance you’re transporting it. So much of what you pay for your cover is out of your control.
But there are a few things you can do that may get you a better deal:
Accurately value your goods
Change your excess
Improve your van's security
Pay annually
Need insurance for your van too?
Need more help?
Does goods in transit insurance come with public liability cover?
This depends on your policy. Some goods in transit policies include public liability insurance, but others may only offer it as a paid-for add-on.
Our partner Quote Me Today offers combined policies, so if this is something you’re looking for, just say when you’re getting a quote and they’ll do the rest to find you the right policy for your needs.
While it isn’t a legal requirement, many companies insist you have public liability insurance in place to work for them as a courier.
It covers you for any injuries you cause a member of the public, or any damage you do to their property while you’re working.
Does goods in transit insurance cover items left in the vehicle overnight?
Goods in transit insurnce can cover any items left in a vehicle overnight, but not all policies offer this. Always check your policy documents to see exactly what you're covered for.
If your policy does cover overnight storage, you'll usually have to make sure your goods are stored properly, and that the vehicle itself is kept in a safe, secure location overnight.
Do I need goods in transit insurance to move home?
In most cases, no. Most removal companies will insure your possessions while they're being transported.
If you're moving them yourself in your own vehicle, your home insurance may offer you cover for them. Check your policy details, though, as this isn't always covered.
If your home policy doesn't include moving cover, then goods in transit can be a good idea. Just check you aren't already covered by another isurance policy before signing up.
Can goods in transit insurance cover me to move business premises?
Yes, it can cover your business equipment if you're moving premises. If you're hiring a removal company, they may already offer this cover. You'll still need to check what level of cover the company has to make sure it meets your needs, though.
If you, or your employees, are moving your business' possessions yourself, then goods in transit insurance can be a good idea.
Van insurance guides
Page last reviewed: 02 August 2023
Reviewed by: Louise Thomas