Cover for the cargo, not the vehicle, protecting goods in motion against loss, theft and damage from collection through to delivery.
Three steps. We approach the markets that price your cargo risk fairly, single-trip, annual, CMR, RHA conditions or all-risks.
Goods type, average and maximum value, operating area, vehicle and security setup. Two minutes online or a call, your choice.
Your named broker takes your details to specialist GIT insurers, CMR, RHA, all-risks and high-value markets.
Documents emailed, payment arranged. Renewal and any mid-term changes handled by the same broker.
GIT policies are written under three legal frameworks. The right one depends on where you operate and what your customers contract for.
Statutory liability under the CMR convention for cross-border road haulage in participating countries. Limits set per kilo of cargo lost or damaged.
e.g. A haulier moving palletised goods from the UK into mainland Europe.
The standard UK liability framework, Road Haulage Association conditions of carriage. Limits per kilo follow the RHA standard default, adjustable by the carrier in their conditions of carriage.
e.g. A general cartage haulier carrying mixed loads under RHA terms.
Covers the actual market value of the goods, not the limited carrier-liability rate. Used when the load is high-value, the customer requires it, or the operator wants belt-and-braces.
e.g. Art, electronics or pharmaceutical loads where carrier-liability limits would not cover the value.
The trades and operators we most commonly place goods in transit cover for. Each gets a tailored conversation rather than a one-size policy.
Hauliers and lorry operators
General cartage, contracted hauliers and lorry operators carrying third-party goods.
Tailored coverCouriers, same-day, multi-drop
Parcel networks and B2B same-day couriers.
Tailored coverOwner-driver subcontractors
Self-employed drivers running parcel and pallet networks.
Removals firms
Domestic and commercial removals operators carrying customer property.
Vehicle transporters
Single-car carriers, multi-car transporters and trade vehicle delivery.
Plant and equipment movers
Heavy plant, construction equipment and specialist machinery transporters.
Art and high-value logistics
Specialist movers carrying art, antiques, jewellery and electronics.
Tradespeople moving own goods
Builders, electricians and contractors moving stock between sites.
Whether you carry £500 of parcels per drop or £500,000 of art per move, the policy structure adapts. We approach the markets that price your goods category fairly, high-value, hazardous, refrigerated, all considered.
GIT premium reflects exposure, but a handful of choices on your side meaningfully change what you pay.
Park in a secure compound
Locked compounds, gated yards and ANPR-monitored locations earn meaningful premium credit. Roadside overnight parking pushes rates up.
Document your security
Alarms, immobilisers, tracking devices and load-locking systems all reduce risk in the underwriter’s eyes, provided they are documented.
Match cover to load value
Carrying £20k cover when the maximum load is £100k leaves you exposed; carrying £100k cover when the maximum is £20k means paying for headroom.
Combine with motor
GIT bundled with courier or fleet motor on the same renewal usually prices below buying each cover standalone.
A standard GIT policy covers cargo while in transit. The list below shows what most insurers will add on, and what falls outside the cover by default.
CMR liability
Statutory cross-border carrier liability for European road haulage.
All-risks endorsement
Full market value cover instead of carrier-liability rates.
Overnight cover (with conditions)
Cover while the loaded vehicle is parked, subject to security requirements.
High-value goods endorsement
Specific endorsement for art, electronics, pharma, jewellery.
Refrigerated cargo
Cover for cold-chain failures alongside the standard loss/theft/damage events.
Goods left unattended (without endorsement)
Vehicles parked away from secure compounds usually excluded overnight.
High-value goods (without endorsement)
Cash, jewellery, art and similar usually excluded unless specifically declared.
Hazardous goods (without ADR endorsement)
Chemicals, gas and certain medical loads need specialist underwriting.
Wear and tear / mechanical breakdown
Cargo damage from vehicle failure usually excluded.
Inadequate packing
Damage caused by goods not packed to industry standards is the shipper’s responsibility, not the carrier’s.
Tell us about the loads, type, value, operating area. Specialist GIT markets, including CMR, all-risks, refrigerated and high-value goods.
The questions we hear most often, with straight answers. Anything else, call the office.
Not in itself. Statutory liability under CMR (international) or RHA conditions (UK) applies automatically to most carriers, but those liability limits are often well below the value of the goods. A goods in transit policy fills that gap. Many shippers and large customers also require it as a contract condition.
Cannot see your question? Speak to a broker on 0800 123 4567.
Why brokers, why us
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
45 years broking
Long-standing relationships across the UK insurer market.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits your loads, not a panel of one.
● Cover that often sits alongside this
Ready when you are
Two minutes to tell us about the loads. Terms back from a specialist GIT panel. Your named broker on the file from day one.
