Goods in Transit: What It Covers, and What It Doesn't

Many businesses assume their motor policy covers goods being carried in a vehicle. In most cases, it doesn't. Goods in Transit is a distinct class of cover, addressing loss or damage to the cargo itself, from collision, overturning, fire, theft, or hijack, including while goods are being loaded or offloaded.

For distributors, hauliers, and any business that regularly moves stock, this gap can be significant. A single lost shipment can outweigh years of premium.

We recommend reviewing this alongside your motor fleet policy, so cargo and vehicle are both properly protected rather than assumed to be covered by the same policy.