Goods-in-Transit Insurance

Why goods in transit insurance is essential

If you transport goods belonging to others, goods in transit insurance is often a contractual requirement and provides vital protection against financial loss.

Cover can include:

Loss or damage to goods while in transit
Protection during loading and unloading
Cover while goods are temporarily stored as part of a journey

Types of goods in transit cover

We can arrange cover on a range of bases depending on your work and the level of protection required:

RHA Conditions

Designed for UK haulage, with cover based on standard Road Haulage Association liability limits.

CMR Cover

For international transport, providing liability cover under CMR convention limits.

All Risks Cover

The highest level of protection, covering the full value of goods (subject to policy terms).

Goods in transit cover comparison

Feature	RHA Conditions	CMR Cover	All Risks Cover
Where it applies	UK haulage	International (Europe)	UK & International
Basis of cover	Liability under RHA terms	Liability under CMR convention	Full value of goods
Level of protection	Limited	Limited	High
Compensation limit	Per tonne limits	Per kg limits	Declared value of goods
Best suited for	UK haulage operators	International hauliers	High-value goods

Contract-specific cover for major operators

Many haulage contracts require enhanced levels of goods in transit insurance. We regularly arrange cover that meets the requirements of major operators.

Amazon contracts

Typically require £100,000 All Risks cover per vehicle
In some cases, up to £180,000 cover may be required

Maritime contracts

Enhanced RHA cover of £6,500 per tonne for most goods
Up to £13,000 per tonne for higher-value goods such as bottled wine

👉 We can arrange cover to meet these and other contract-specific requirements.

Flexible cover for all types of haulage

We arrange goods in transit insurance for:

Owner drivers
Haulage companies
Logistics and transport businesses
Fleet operators

Whether you work with major logistics companies or smaller clients, we can tailor cover to suit your operation.

Why choose Avis Insurance

Over 40 years’ experience in haulage insurance
Access to leading UK insurers and specialist underwriters
Expertise in contract-specific insurance requirements
Independent, whole-of-market broker
Clear, straightforward advice

What affects goods in transit insurance premiums?

Premiums are influenced by:

Type and value of goods carried
Claims history
Nature of contracts
Operating radius
Security and storage arrangements

Providing accurate information helps ensure the correct level of cover is arranged.

Related cover

We can also arrange:

👉 Ensuring your business is fully protected.

Goods in transit insurance FAQs

Do I need goods in transit insurance?
Yes, if you carry goods belonging to others, it is often required and protects against loss or damage.

What level of cover do I need?
This depends on your contracts. Some require specific limits such as £100,000 or more per vehicle.

What is the difference between RHA and All Risks cover?
RHA cover is based on liability limits, while All Risks covers the full value of goods (subject to policy terms).

Does goods in transit cover include storage?
It can include temporary storage as part of a journey, depending on the policy.

Get a goods in transit insurance quote

If you are looking for reliable, competitively priced goods in transit insurance, we can help.

Speak directly with our team for tailored advice

Support from a dedicated Avis Insurance account handler
Amazon and Maritime Cover Available
All risks, CMR or RHA cover
Public & Employers Liability cover can be included
Employers' liability protection including temporary employees
All the documents you need delivered promptly
Spread the cost - pay in 10 instalments

Many of our customers who purchase goods in transit insurance also take advantage of the following other complementing optional products to ensure they have full cover for their business needs.

Excess Protection

Excess protection insurance covers you against the cost of your insurance excess should you need to make a claim as a result of a fault accident. A choice of indemnity levels mean you can easily select the right protection for your needs.

Public Liability Insurance

Be protected against claims made by members of the public with public liability insurance from Avis Insurance. We will cover you and your business.

What does Goods-in-Transit Insurance cover?

Goods in transit insurance covers cargo (either your own or those of another person or company) when it’s in transit from one location to another. It also covers when the cargo is being stored during a journey.

Can I cover more than one vehicle?

Insurance is provided for a named vehicle therefore you need to obtain separate cover for each vehicle you want to protect.

Are all goods included?

Common exclusions for goods in transit insurance will include living creatures, theft-attractive goods, fine arts and money or bullion. If you have special requirements refer to your policy documents for full terms and conditions.

Our full range of policies

Truck Insurance from the Specialists

Specialist Truck & HGV Fleet Insurance

Skip Lorry Insurance

Skip Hire Public Liability Insurance

Goods-in-Transit Insurance

Plant and Machinery Insurance

Special Types Insurance

Hauliers' Liability Insurance

Scaffolders' Liability Insurance

Roofers' Public Liability Insurance

What our clients say

You have been so helpful and made the whole process smooth and worry-free. I can't thank you enough for getting everything sorted in such a short space of time. Ben Jones

Kevin is an absolute gentleman to work with. I have started recommending him already. Baileys Haulage Ltd.

Excellent service all round! Highly recommend. CE Haulage Ltd.

They are doing a fantastic job: they are knowledgeable and share that knowledge when you ask. Always give fantastic advice. I feel that Avis Insurance is always on my side and looks after my best interests. Thank you. Jonas Trans Ltd

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