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Goods in transit insurance

Get a goods in transit insurance quote today

  • Specialist cover from our trusted partner Quote Me Today

  • Fill in a short quote form or request a call back to get a quote

  • Get up to £10 million high-value goods cover

What is goods in transit insurance?

Goods in transit insurance (GIT insurance) is designed to protect the contents that you’re carrying in your van, truck or lorry as part of your work. If you’re a courier or in the haulage industry, it can provide peace of mind should you or your customer’s materials, goods or cargo be lost, stolen or damaged in transit, as well as help you recover the cost.

Goods in transit insurance covers only the contents of your vehicle and doesn’t replace van insurance or HGV insurance you have for the vehicle itself. Goods are also covered only in transit and not while they are in the vehicle at a depot.

Do I need goods in transit insurance?

It’s not a legal requirement, but if you regularly drive a van, pickup or lorry to transport goods it’s sensible to have. As you’re on the road more, and sometimes with expensive cargo, you’re exposed to more risks.

Although you are required by law to have commercial van insurance, that doesn’t cover the goods in the back.

There is a range of van insurance policy types available and you need to pick the right one. Depending on the type of goods and how often you carry cargo, you’ll fall into one of the following categories:

Own goods means you use your van or pickup to carry work-related goods, tools and equipment. Tradespeople, builders and florists will fall into this category. For this use you’ll need a commercial van insurance policy.

Haulage is where you use your vehicle to transport other people’s goods or get paid to move cargo. This could be building materials, removals, food, parcels or electrical items. To be covered for haulage, you’ll need a courier or goods in transit insurance policy.

How to get cheap goods in transit insurance

There are a few ways you could cut the cost and get cheaper goods in transit insurance:

  • Change to a black box policy
  • Improve your van’s security
  • Use a dashcam while you drive
  • Increase your voluntary excess
  • Ensure the goods you're carrying are accurately valued
  • Don’t auto-renew

Consider changing to a black box policy for your van. It uses a telematics device to monitor your driving, so if you prove to be a good driver your insurer might offer discounts. Some black box policies also include vehicle tracking, which could be useful if your van gets stolen.

Improving your van’s security could help you get a cheaper premium as your van and the goods you carry will be less prone to theft.

Use a dashcam while you drive. If there’s an incident, it’s easier to find which driver was at fault. Some insurers offer savings for this extra transparency.

Increasing your voluntary excess could bring down your insurance policy but you’ll probably have to pay more upfront if you make a claim.

Accurately value the goods you carry as the value of what you are transporting will affect the premium you pay. Ensuring they are packed properly will also reduce the risk of damage. .

Don’t auto-renew. Sadly, insurers don’t always reward loyalty with cheaper prices. To make sure you’re getting the best deal, compare goods in transit insurance quotes before your renewal is due.

Find other ways to reduce the cost of your van insurance.

What should I look for in a goods in transit insurance policy?

Because goods in transit insurance policies could cover a wide range of circumstances, its important to get the right cover for your needs:

  • Consider what you are carrying - it’s important to check terms for high value items, livestock and refrigerated goods
  • Check where cover starts and finishes - particularly around the loading and unloading of goods.
  • Driver’s personal possessions - are they included?
  • Establish whether items used to tether and protect goods are covered like ropes, straps and tarpaulins.
  • If you have a contract with a large company, you’ll have to fulfil conditions of carriage. Make sure the policy you get accommodates these to suit your contract.
  • Employer liability and public liability - are they included or do you need to add them?

Do I need to buy other types of insurance as well?

Goods in transit insurance covers only the contents of your van.

To get cover for the vehicle itself, you’ll need a courier van insurance policy or a commercial van insurance policy.

Meanwhile, while some policies include public liability cover, it’s important to check with your provider what level of cover you have.

What does goods in transit insurance cover?

Depending on the type of policy you take out, you can get cover for:

  • Your cargo
  • Employer's liability
  • Public liability
  • Damage to your van and other vehicles

We have a specialist goods in transit partner, Quote Me Today, who can help you tailor your insurance policy for your needs, and to make sure you’re not paying over the odds.

Visit our specialist partner Quote Me Today for a goods in transit quote

What our van insurance expert says

Before you get a quote, be clear about the type of cover you need. Goods in transit insurance is better suited to drivers in the haulage industry. If you use your van for carriage of own goods, then a commercial van insurance policy might be better suited.
Head of van insurance signature

Dan McCulloch

Head of van insurance

Need more help?

Is goods in transit insurance a legal requirement?

It’s not a legal requirement to have goods in transit insurance. However, you may find that many customers will insist you have goods in transit insurance in place before they give you their business.

How much cover can I get on a goods in transit policy?

Goods in transit policies could cover you for up to £10m. While you might not need this much cover it could be better to err on the generous side to ensure you’re properly insured.
If you work for a big courier company we can provide cover to fulfil most conditions of carriage.

Is public liability and employer’s liability insurance included?

What is included in a goods in transit policy varies between providers. Public liability and employer liability are often included but if they’re not, you may need to arrange additional cover.

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Goods in Transit and Tools in Transit insurance is arranged and administered by Quote Me Today Ltd who are authorised and regulated by the Financial Conduct Authority No: 786619. Registered office, 2nd Floor 5-10 Sparrow Way, Lakesview International Business Park, Hersden, Canterbury, Kent, United Kingdom, CT3 4JH. Registered in England and Wales, No: 04668665. Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission, which is a flat rate fee from QuoteMeToday.co.uk if you decide to buy through their website.