Why this exists
Your property policy stops at the warehouse door and your motor policy covers the vehicle, not the load. Between those two sits every consignment you move.
What it covers
- Loss or damage to goods while in transit
- Theft of goods from vehicles, subject to policy conditions
- Loading and unloading, on most policies
- Goods carried by third-party hauliers, where arranged
What it does not
- Inadequate packing
- Goods left in unattended vehicles, on many policies
- Overnight stops outside secured premises, unless agreed
- Consignments above the per-load limit you selected
Exclusions vary between insurers and wordings. These are the ones we see most often — yours should be read individually.
Who it is usually right for
- Distributors, wholesalers and manufacturers
- Logistics and haulage operators
- Any retailer moving stock between locations
Terms worth knowing
We do not sell this policy to you.
We compare it across insurers, tell you whether you actually need it, and stand with you if you ever have to claim on it. Start with a conversation, not a quote.