Do I need goods in transit insurance?

If you regularly drive a van or pickup to transport goods, tools and materials in connection with your business or work, you’ll need this type of insurance. As you’re on the road more, and sometimes with expensive cargo, you’re exposed to more risks.

There are a range of van insurance policy types, and depending on the type and how often you carry cargo, you’ll fall into one of the following categories:

Own goods, which means you use your van or pickup to carry work-related goods, tools and equipment. For this use you’ll need a commercial van insurance policy.

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

What does goods in transit insurance cover?

Depending on the type of policy, you can find cover for:

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

Our specialist goods in transit partner, Quote Me Today, can help you tailor your policy for your unique needs to make sure you’re not paying over the odds.