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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 out a short quote form or request a call back to get a quote

What is goods in transit insurance?

Goods in transit insurance is designed to protect your van and the content you’re carrying 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.

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.

How to get cheaper goods in transit insurance

There are a few ways to cut the cost and save on 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
  • 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.

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

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

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.

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

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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

Daniel McCulloch

Head of van insurance

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, Office 2A, First Floor, 3 Jubilee Way, Whitstable Road, Faversham, Kent, ME13 8GD 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.