Insurance Type

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Goods in Transit

Most policies will include cover under the Road Haulage Association (RHA) terms of cover. These conditions are normally adequate for any goods carried in the UK, however, if goods carried have been imported from outside the UK then the European CMR conditions of carriage are normally required. These CMR terms require higher limits of indemnity – normally £250,000 per load.

It is also important to ensure that work carried out by sub-contractors is also covered. Many sub-contractors will buy their own insurance, but the responsibility lies with their principals who must be certain that the correct insurance is in place. Quite often, a Goods In Transit policy will cover this contingency.

Theft attractive goods must also be covered. Recent developments in the insurance of these goods are not favourable as insurers seek to reduce their exposure. Hauliers and couriers must ensure that they are aware that these goods are being carried and if they are, insurers can stipulate that the load must be attended at all times whilst in transit.

In some cases, the Goods In Transit policy will also cover the trailer carrying the load. This tends to be on the basis that the haulier does not own the trailer. This term is known as unspecified trailer cover. Trailers owned by the haulier are normally covered under his/her motor insurance policy.

Demands and needs

It is most important to establish the insurance demands and needs of your business before any advice can be given to you. Each company will operate in its own way and will have different demands and needs. This applies to any insurance policy offered to you and your company. We will insist on a full demands and needs statement before confirming cover to you.

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