Goods in Transit Insurance in the UK: What It Covers & Why Your Business Might Be at Risk Without It

Lindo Mavuso
5 days ago
9 min read

“One Lost Parcel. One Angry Client. One Lawsuit Later.”

Let me ask you something.

If your driver crashes on the M25 today and the entire back of the van is ruined — do you know what happens next?

Most small business owners assume they’re covered. “Ah, I’ve got van insurance, I’m fine.”

But here’s the cold truth:

Van insurance does not cover the actual goods you’re transporting. And if those goods are damaged, stolen, or lost? You're on the hook — not just financially, but legally.

That one missed delivery can turn into:

A £5,000 bill for electronics that never made it
A cancelled contract with a key supplier
A damaged reputation your business can’t afford to lose

The Data Doesn’t Lie

According to the Association of British Insurers (ABI):

Over £1.2 billion worth of goods are moved across the UK every day
Cargo theft alone costs businesses over £250 million per year
The average claim for lost or damaged goods is between £2,500–£6,000

Now ask yourself:

If something went wrong tomorrow… could your business absorb that?

If not — you need to get clear on what Goods in Transit (GIT) Insurance actually is, what it covers, and how it protects your reputation, not just your revenue.

We wrote this guide to break down the jargon, answer every major question, and show you exactly how to stay protected — especially if you're a:

Self-employed courier or delivery driver
Small logistics firm
Retailer transporting high-value items
Business sending goods via third-party hauliers

Already know you need cover? You can get a quote today with UK Sure’s GIT policies, starting from same-day coverage with public liability options built in.

And if you’re also operating under a courier license or carrying for reward, we’ll help you bundle with Courier Insurance or Business Insurance for full-circle protection.

What Is Goods in Transit Insurance (And Why It’s Not the Same as Van Insurance)?

Let’s clear something up right now:

Goods in Transit Insurance isn’t a “nice-to-have” — it’s the policy standing between you and financial disaster.

Too many business owners make one dangerous assumption: “I’ve got vehicle insurance — that covers everything, right?”

Wrong.

Van insurance covers the vehicle. Goods in Transit Insurance covers the cargo.

So, if your van is broken into while parked overnight and £7,000 worth of stock is stolen, your standard van insurance won’t pay a penny toward the loss of goods.That’s where GIT insurance steps in.

Here’s What It Actually Covers:

Theft – including break-ins during delivery or parked storage
Accidental damage – from collisions, drops, or handling errors
Loss in transit – misplaced items, wrong delivery, undelivered parcels
Fire or flood damage – especially critical for high-value electronics or perishables
Loading and unloading accidents – when the risk is highest

And yes — in some cases, you can even insure goods handled by third-party subcontractors, depending on your policy.

Still not sure what’s right for you?

Head over to UK Sure’s Goods in Transit Insurance page and get clarity in simple terms. We also offer combined cover for tools with our Van Insurance policies — especially useful if you’re a tradesman moving between sites.

Do You Legally Need Goods in Transit Insurance in the UK?

Here’s the short answer:

No, it’s not legally required — but going without it could cost you everything.

Goods in Transit (GIT) insurance isn’t a legal requirement under UK law.But that doesn’t mean you can afford to skip it.

In reality, it’s often a contractual requirement. Many couriers, freight companies, or business clients won’t even consider working with you unless you have proof of GIT insurance.

And if you’re self-employed — delivering food, furniture, electronics, or tools — you’re personally liable for any damage or loss. That means:

One smashed parcel = you pay
One stolen delivery = you replace it
One ruined order = you get sued

Real Talk: It’s Not “If,” It’s “When”

According to government data, over 45,000 commercial vehicle thefts were reported in the UK last year.

And more than 30% involved tools or goods stolen from inside vans.

That means if your van’s hit and your cargo isn’t insured… You're out of pocket. Possibly out of business.

When GIT Insurance Becomes a Legal Requirement

While GIT insurance itself isn’t legally mandated, there are scenarios where it becomes effectively compulsory:

Contracts with Amazon Flex, DPD, or Evri often require it
Haulage operators with operator licences may include it in compliance paperwork
Local councils and government jobs typically demand it as part of public liability coverage

So while it may not be a law, it’s often the cost of doing business.

If you’re unsure whether your line of work requires it, speak to a UK Sure agent and get tailored advice.

Who Actually Needs Goods in Transit Insurance?

Let’s get this straight:

Goods in Transit insurance isn’t just for big logistics companies or HGV fleets. It’s for anyone moving goods — even if it’s just you, your van, and a few deliveries a day.

Here’s who should seriously consider GIT cover:

1. Self-Employed Couriers and Delivery Drivers

If you’re delivering parcels, packages, or food (via Uber Eats, Just Eat, Amazon Flex, etc.), you’re responsible for every item in your vehicle.

One wrong turn, one stolen box, or one spilled coffee later — and you’re left paying for the damage. GIT insurance ensures you’re not footing that bill.

2. Tradespeople Carrying Tools, Parts, or Equipment

Whether you’re a plumber, electrician, carpenter, or painter — if your van carries valuable gear, you’re a prime target for theft.

And unless it’s insured during transit, it’s not covered under most basic van policies.

What Does Goods in Transit Insurance Actually Cover?

You’re probably wondering:

What am I really protected against?

And that’s a smart question — because not all policies are created equal.

Here’s what a solid Goods in Transit (GIT) policy should cover, and how it protects your income, your business, and your peace of mind.

1. Loss or Damage from Accidents

Let’s say you’re driving through a tight roundabout, and a box of electronics shifts and crashes mid-turn. Without GIT, that damage is your problem.

With GIT? Your insurer pays to replace or repair the goods.

2. Fire, Theft, and Vandalism

This one’s huge.

Van break-ins are on the rise in the UK — especially in urban areas and near delivery hotspots. In fact, data from UK police reports shows that tool and equipment theft from vehicles rose by 25% in 2023 alone.

GIT insurance protects you when:

Your van is stolen
Goods are taken from a locked vehicle
Items are vandalised in transit

See: Van Insurance | Fleet Insurance

3. Damage During Loading or Unloading

Dropped a heavy package during loading? Client claims goods arrived damaged at the door? Covered.

Some policies also protect you while you're unloading, not just while driving — a vital detail often overlooked by drivers.

4. Weather-Related Damage

Let’s be real — UK weather is unpredictable.Flooding, snow, and high winds can all wreck cargo. A good GIT policy ensures that if nature strikes, your bottom line doesn’t suffer.

5. Delays, Missed Deliveries, and Liability

Some enhanced GIT policies also include cover for missed deliveries, failed drop-offs, or even public liability cover — especially important for courier companies or fleet operators.

Important Reminder:

Every policy is different. Some cover up to a specific item value. Others require proof of secure storage.

That’s why working with a broker like UK Sure matters — they’ll tailor your policy to your real-world risks.

How Much Does Goods in Transit Insurance Cost in 2025?

Let’s cut to the chase:

Goods in Transit insurance doesn’t have to be expensive.

But if you don’t understand what’s driving the cost, you could be paying way more than you need to — or worse, be underinsured.

Here’s what you need to know about pricing, real 2025 figures, and how to make sure you’re getting proper cover without the premium sting.

Average Cost of GIT Insurance in 2025 (UK)

According to recent market data, here’s what UK drivers and businesses can expect to pay:

Business Type	Average Monthly Premium
Self-employed courier	£25–£45
Small delivery company (1–3 vans)	£60–£90
National fleet operator	£150+

These are just benchmarks — the real quote depends on your unique profile.

What Affects the Price?

Let’s break it down:

1. Type of Goods

Electronics = higher risk
Clothing or paper goods = lower risk Pro tip: Insurers rate fragile, expensive, or theft-prone items as high-risk.

2. Vehicle Type

Transit van? Medium risk.
HGV with high-value stock? Expect a higher premium.Check our HGV Insurance page for more insights.

3. Business Size & Transit Volume

One delivery a day vs. 30 daily drop-offs = very different exposure levels.

4. Security Measures

Locked overnight storage?
GPS tracking?
Alarm system?All of these lower your premium.

5. Claims History

A clean claims record = cheaper rates.
One big claim last year? Your quote’s going up.

Is It Worth It?

Let’s say you deliver laptops worth £10,000. One incident could wipe out your profit for the quarter — or worse, your business entirely.

With policies starting at less than £1.50 per day, GIT insurance is one of the highest ROI policies you can carry.

And with UK Sure’s tailored cover options, you can get protected without overpaying.

Who Needs Goods in Transit Insurance — And Is It a Legal Requirement in the UK?

Let’s clear this up right now: Goods in Transit insurance is not legally required in the UK. But here’s the catch…

If you transport anything for work — whether it’s your own goods or someone else’s — you’re on the hook for what happens while it's in your van.

And without GIT cover?You could be liable for thousands in lost, stolen, or damaged items — and none of that is covered by your regular van insurance.

Who Actually Needs GIT Insurance?

Here’s a quick breakdown of the most common professions that need it:

Role	Risk Level	Need for GIT Cover
🚚 Courier Drivers	High	✔ Absolutely
🍔 Food Delivery Drivers	Medium	✔ Often bundled with fast food delivery insurance
🧰 Tradesmen (e.g. plumbers, electricians)	Medium-High	✔ Especially if carrying client goods
🛒 Retailers / Online Sellers	High	✔ If delivering stock to customers
🚛 Fleet Operators	Very High	✔ Essential

Even if you’re not legally obligated, many client contracts — especially with courier platforms or commercial clients — will require you to hold valid GIT insurance as part of your T&Cs.

Why It’s Not Optional (In Practice)

A single lost delivery = a chargeback, refund, or legal dispute.
If you're a self-employed courier, this can be the difference between staying afloat and going under.
For businesses, lack of cover = breach of contract and reputational damage.

“But my van insurance already covers my cargo, right?”

Wrong. Standard van or motor insurance does not cover goods in transit — unless GIT is specifically added on.

Bottom line? If you regularly move goods as part of your business, GIT insurance isn’t just smart — it’s non-negotiable.

How to Get Goods in Transit Insurance — Fast, Affordable & Fully Tailored

Ready to protect what matters most?

Here’s how to get covered in minutes — not days.

Step 1: Choose the Right Level of Cover

Not all GIT policies are created equal. Make sure you:

Confirm the cargo type (e.g. electronics, tools, perishables)
Check your transport methods (own van vs third-party courier)
Match the cover limit to your average shipment value
Add bolt-ons like Public Liability or Legal Expenses

Pro Tip: If you drive for multiple platforms (Amazon, Just Eat, etc.), make sure your policy covers multi-drop deliveries.

Step 2: Get a Quote from a Specialist Broker

At UK Sure, we don’t believe in one-size-fits-all cover.

We work with a panel of trusted insurers to find GIT insurance that fits your business — whether you’re a solo driver, a growing fleet, or a self-employed tradesman.

Click here to visit our Goods in Transit Insurance page or speak directly with a broker.

We also recommend bundling it with:

Courier Insurance if you carry parcels professionally
Food Delivery Insurance if you’re working with Deliveroo, Uber Eats, etc.
Fleet Insurance for multi-vehicle setups

Step 3: Activate & Get Proof of Insurance Instantly

Once you’re happy with the quote, you’ll receive:

A valid Certificate of Insurance
Immediate cover (often same-day)
Support with claims or changes anytime

And yes — we can get you instant documents if you’re under pressure from a client or platform.

Final Thoughts: Is Goods in Transit Insurance Worth It?

Let’s put it this way...

A basic GIT policy can cost less than £10 a week — but without it, a single claim could bankrupt your business.

In a world of rising courier demand, tighter contracts, and no room for mistakes — having the right protection isn’t a luxury. It’s your business backbone.

Don’t wait until something goes wrong. Get your tailored goods in transit quote from UK Sure today — and deliver with total confidence.