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Compare goods in transit insurance

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Goods in transit insurance for businesses

If your business transports stock, materials or tools, you may benefit from insurance for goods in transit.

If you’re in the business of transporting stock, materials or tools, it’s worth comparing goods in transit insurance policies. With different levels of cover on offer for the different types of goods that businesses transport, it’s important to ensure you get the right insurance at the right price.

What is goods in transit insurance?

Goods in transit insurance can provide protection against loss, theft and damage of items - such as stock, materials, tools and equipment - while they are being transported. It is a specialised type of cover that can be added to a business contents insurance policy.

One important thing to be aware of when considering a goods in transit insurance policy is over or under insuring. For example, if your stock is valued at £6,000, but you have only estimated it and bought cover at £3,000, your insurance pay out could fall short should you need to make a claim. On the other hand, if you estimate your stock to be worth £9,000 when it is actually worth £6,000, you run the risk of having a claim on the policy rejected on the grounds of submitting false information.

Do I need goods in transit insurance?

Goods in transit insurance is a flexible type of cover that can be adapted to suit the needs of a wide range of individual businesses' needs, from small removal firms to courier services and large scale haulage firms. Just some of the businesses that may choose to include goods in transit cover in their business insurance are:

  • Courier services
  • Haulage firms
  • Removal companies
  • Painters and decorators
  • Builders and contractors
  • Bands and DJs
  • Fairground owners.

However, the above list is in no way exhaustive, and virtually any business that transports contents may find the cover beneficial to have in place.

How much is goods in transit insurance?

When comparing quotes for cover it’s important to remember that there are a number of variables that will dictate the price of your goods in transit insurance. These variables could include:

  • The vehicle: Prices may vary depending on the type of vehicle you are using.
  • The number of vehicles: Insuring a fleet of vehicles is likely to cost more than insuring just one.
  • The goods: The value of the goods themselves may influence how much it costs to insure their transportation. As a rule of thumb, the higher the value of your goods, the more they cost to replace, and therefore the higher the price of your policy.
  • Nature of transportation: For example, there may be different prices for insuring yourself to deliver others’ goods, and insuring your own goods to be transported by someone else.
  • Extent of cover: There may be optional additions to your policy – for example cover if your goods are left in a vehicle overnight – which could alter prices. Generally speaking, the more additions you opt for, to provide you with a greater level of cover and protection, the higher the price of your cover.

It’s important to remember that terms of cover can differ from policy to policy, so you should make sure that you fully understand your policy’s wording, the specifics of what is covered, as well as any exclusions.

Goods in transit insurance quotes

To get a personalised insurance quote to suit your business’s needs, get in touch with Make It Cheaper Financial Services. Our UK based insurance experts make it quick and easy for you to get a competitive goods in transit insurance quote – meaning you can get on with the job of making sure your cargo is delivered safely and on time. Call us on 0800 144 4808.

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