Goods in Transit for Couriers
Our flexible, affordable Goods in Transit coverage can insure: Couriers, Van owners who transport goods for payment, Delivery drivers, Lifestyle couriers, and more, with prices starting at £92.60 for £10,000.00 Goods in Transit cover!
Our policies provide excellent coverage. Get a quote online in minutes, and protect yourself today.
If you use your vehicle to deliver goods for customers, you will need our Goods in Transit Insurance, Public Liability Insurance, and Employers' Liability Insurance, designed specifically for Couriers, all under one policy underwritten by Chubb Insurance.
Goods in Transit Features
Goods in Transit insurance with UK Sure brings you the following benefits and features as standard:
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Cover up to 10 vehicles in one policy
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Cover for Vehicles up to 8.25 tonne maximum authorised mass
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Designed for Light Haulage, Courier and Parcel Delivery Companies
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Coverage for Sub-contractors (subject to a maximum of 20% of annual turnover)
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Wide European Territorial Limits included as standard
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CMR (Convention on the Contract for the International Carriage of Goods by Road) cover is included as standard
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Hand-held Scanner cover to £1,000 automatically included
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Option to extend to include Public and Employer’s Liability
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Choice of your contract limit per vehicle
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BUT
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£50,000 cover automatically included for TNT, FEDEX, Parcelforce, DHL, Yodel, UK Mail, Amazon, DPD, and Hermes at no additional charge.
Goods in Transit Policy Documents
Liability Policy Documents
Understand Goods in Transit Insurance
Goods in transit insurance covers the cargo (goods or products) you transport from one location to another as part of your courier work.
It is not a legal requirement, but covering the risks you face when transporting other people’s goods is highly recommended. Without it, somebody could hold you personally liable for issues arising while delivering goods.
Couriers and haulers also need insurance for their vehicles and public liability. Alongside these, goods in transit insurance provides full cover for the risks you face while on the road.
It could only take an emergency stop in a vehicle to send tens of thousands of pounds worth of products tumbling into each other and causing irreparable damage. Or the security of your vehicle might be compromised while goods are transported between destinations, with items stolen as a result.
Goods in transit insurance protects the goods you transport as a courier against damage or destruction, loss, theft, delayed delivery, and consequential losses for items not delivered correctly.
Goods in Transit Optional Extras
Public Liability
Public liabilty will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities.
A Public Liability policy would protect you against the costs of compensation and the legal expenses incurred during the claims process!
Employers' Liability
If you are unsure whether you are required to carry Employers' Liability cover, you should seek professional advice. You can find more information at http://www.hse.gov.uk/pubns/hse40.pdf. You are legally obliged to have employer liability insurance if you are an employer. You can be fined up to £2,500 every day you do not have appropriate insurance. Employers' liability insurance covers the compensation cost and any associated legal fees.
Is it required as a contractor?
Some larger networks, such as DHL, TNT, and Parcelforce, may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover from your employer.
How much employer liability coverage do I need?
Under the terms of the Employers' Liability (Compulsory Insurance) Act 1969, you must have a minimum indemnity limit of £ 5 million.
Frequently Asked Questions
Question: What are goods in transit insurance?
Goods in Transit insurance covers items from theft, loss or damage while they are being transported by vehicle from one place to another in the course of business. Examples include furniture removal and couriers or hauliers working for online retailers.
Question: What is carriers transit insurance?
Carriers insurance is designed for transport operators to cover the cargo they carry in transit as a principal, subcontractor, or when contracting to a subcontractor.
Question: What is the difference between goods in transit and carriers liability?
GIT Policies are peril-based, not liability-based. They benefit the Goods Owner, whereas a Carrier's Liability Policy is designed to protect the Transporter, as the Carrier.
Question: Who is responsible for cargo insurance?
As the shipper, you are responsible for arranging insurance as necessary. In some cases, the option of insuring cargo is something the carrier or freight forwarder will specifically highlight to you. The level of the insurance premium depends on several factors, including: the value and nature of the goods.
Question: Do I need goods in transit insurance?
No, goods in transit insurance is not a legal requirement. However, it is highly recommended as it protects goods during transportation against theft, damage, or loss.
Question: What is not covered in cargo insurance?
Most cargo insurance excludes the following: Intentional misconduct by the insured cargo owner. Losses caused by delay or loss of market. Losses caused by wear and tear, ordinary leakage, or ordinary loss in weight or volume.
Question: Is cargo insurance necessary?
Cargo insurance is essential for businesses to safeguard against transportation risks, theft, natural disasters, regulatory compliance, supply chain disruptions, and geopolitical situations.
Do you have a question about goods in transit for couriers?
Submit your question here
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Amazing service Thank you all🙏
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2025-08-22
Great place and great service. They are easy, available and get you the best deal. I totally recommend this over others. I was in contact with a person named Marco Pereira, he has been really helpful, diligent and warm. Can go through the infinite details and summarise the necessary info we actually need.
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2025-08-21
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