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- Carriage of own goods
- Cover for theft, damage and loss
- Freight liability
- Trailer cover extension
- Cover for domestic and commercial furniture removers
- Marine cargo
A Guide to Goods in Transit Insurance
When you transport goods for a living, whether you work for yourself or own a company, you need to not only insure any vehicles you own but also the goods you’re transporting. Often, thieves will target the contents of a vehicle rather than the vehicle itself, particularly if the goods are high value.
Goods in transit enables you to protect the goods you transport for theft, damage and spoiling (in the case of refrigerated goods). You can get quotes for goods in transit insurance now by clicking on the red button but if you’re not sure what type of policy is best for your needs then it’s a good idea to read through the content on this page first.
Why it’s necessary
If the goods your company transports aren’t necessarily valuable then you might think that getting them covered isn’t necessary. The truth is that when you’re transporting goods on a regular basis, there’s always the risk of theft or damage. Likewise, for tradesmen who carry expensive tools in their van, getting them covered is absolutely necessary.
Additional cover options
When you take out a goods in transit insurance policy, you can have many other options included to protect you for other risks. Cover options include –
- Third party - Third party insurance, also known as Compulsory Third Party (CTP) will give you enough cover to drive legally. It’s essentially designed to protect other drivers’ vehicles if you’re involved in an accident where you’re at fault.
- Comprehensive - Comprehensive insurance will provide protection for third party vehicles and your own vehicle(s) if you or a driver is at fault for a collision. This is type of cover usually includes protection for fire and theft too.
- Liability cover - Liability claims are always a risk for businesses in this day and age so getting cover in place to protect your business form them is always a good idea.
- Legal fees - If you did need to fight a liability claim then the legal costs could mount up very quickly. This is why many companies choose to get legal fees included as part of their policy.
- Loss of licence - If you work as a truck driver and were to lose your licence for a period of time, then this type of cover would compensate you until you were able to get back to work.
- Employer’s liability - Liability claims don’t just come from members of the public. You could just as easily face a liability claim from one of your own employees so you should strongly consider having employer’s liability included in your policy.
- Breakdown assistance - Having breakdown cover is essential, whether you choose to get it from your insurance provider or from a third party.
Why get quotes online?
You might be wondering why you should get quotes online rather than contacting insurance providers directly. Well below are some of the biggest advantages –
- Save time - There’s no doubt that getting quotes online is much quicker when compared to contacting insurance providers separately.
- Save money - Another very big advantage to getting quotes online is that it could save you a lot of money. When you have quotes from many different insurance providers, you can easily compare them and choose the one that offers you the best value.
- Highly tailored quotes - Because the quotes are from specialist providers, you can get a policy that’s perfect for your business and at a price you can afford.
- Easy claims process - If you do need to make a claim, then you can rest assured that the claims process is quick and painless. This is always a relief for business owners to find out.
- Expert advice - If you’d like to speak to an advisor to find out more about a particular type of cover then this certainly isn’t a problem.
- Instant cover - As soon as you take your policy out, your cover will be active.
When you want to take out a goods in transit insurance policy, you should take every step you can to keep costs down. Insurance is always a big expense for business owners but there are some very reliable ways to save money. These include –
- Secure your vehicles - It stands to reason that the more secure your vehicles are, the less likely they are to be targeted by thieves who want to get to the goods inside.
- Be selective with drivers - The more selective you are who employ to work for your company, the less likely you are to have problems. It makes sense that an experienced driver with a clean record is less likely to be involved in an incident on the road. Not only this, but insurers will take the driving history of any named drivers on the policy and as a result, you can save a good deal of money by only hiring excellent drivers.
- Pay annually - If it’s possible for you to pay annually rather than monthly then you should certainly be able to negotiate a significant discount on your policy.
- Increase excess - Another way to cut down on the cost of your policy is to increase your excess. This is the amount of money you’d need to pay if you had to make a claim.
- Shop around - As mentioned previously - getting quotes from several goods in transit insurance providers is one of the most reliable ways to save money; not to mention one of the easiest.
Get quotes easily
If you’d like to get goods in transit insurance quotes in an incredibly quick and easy manner then you’re in the right place. All you have to do is click on the red button below and once you’ve provided a bit of information about your vehicles and the type of cover you need, you’ll then have access to your quotes. It really is that simple!