- Packages and parcels
- Hazardous goods
- Refrigerated stock
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
Insuring yourself for £2m worth of cover when you usually only carry goods worth £100,000 means you’re paying for more insurance than you need to be. Take out the right amount of cover and you could save.
Change your excess
The amount you’re willing to pay towards the cost of a claim can impact the price of your policy. Just make sure you pick an excess amount that you can realistically afford if you need to make a claim.
Improve your van's security
Insurance is based on risk, so the lower the risk of the goods you’re transporting being stolen, the lower your insurance costs could be. Things like immobilisers, trackers and alarms can all help boost your van’s security.
This is is one of the quickest ways to save. Insurers will usually charge you extra to pay monthly. Paying in one lum sum might be more expensive up front, but you'll usually be rewarded with much lower costs overall.
Need insurance for your van too?
protects your van for social use and commuting to work.
covers your van while its being used for business-related driving.
covers vans that have had modifications like extra seats or storage added.
protects pickups for social, business and haulage use.
gives you cheap, short-term cover from 1 to 28 days for social and business use.
provides cover for multiple vans under the same policy.
Need more help?
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.
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.
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.
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.
More help with your insurance
Van insurance can seem surprisingly expensive if you're just used to car insurance.
Need to insure a truck, lorry or heavy goods vehicle as a lone operator or as part of a fleet?
Looking to upgrade your van’s security? Installing new van locks is one way to make your vehicle less attractive to thieves.