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Goods in transit insurance helps to protect the goods you are transporting. Insurance for the tools you are carrying in your van protects the equipment that is vital for getting your work done. Combine both goods in transit insurance and our special tools insurance package and you are safeguarding everything you need whilst staying on the move
A tradesman’s van and the goods and tools within it are favourite targets for thieves.
Tradesman relies on the tools of their trade, along with the equipment, materials and supplies to get the job done.
When these essential items are being transported from one site to another, from one job to another and backwards and forwards to your home or depot, they are vulnerable to a range of different risks and perils. They run the chance of being lost, damaged or stolen.
Whether the loss or damage is to the goods you are carrying or the tools you need for your next job, they are not only going to be expensive to replace, but the inconvenience and the time lost may have a severe impact on your business – not to mention the goodwill and reputation you owe it to your customers to maintain.
Goods in transit and tools insurance gives you protection against that growing risk of theft, together with the additional risks of loss or damage to the tools and goods you are carrying.
Although any policy is likely to vary in its detail from one insurer to another, this form of cover typically gives you protection against:
When arranging cover, it is important to estimate the likely value of any goods you are likely to be carrying and to set the insured limit accordingly. Remember that there may also be a limit on the value of any single item.
You may also need to decide whether the basis of any settlement in the event of a claim is the replacement of lost goods as new, or the typically cheaper option of settlement after the deduction of an allowance for wear and tear.
If you are carrying hazardous goods or food which is perishable and might be lost in the event of the freezer unit failing, special goods in transit insurance may be necessary.
Cover for any personal effects that are kept in your vehicle may also be included up to a given maximum value – and certain, more expensive items, or those with a particular appeal to thieves, may be excluded.
Before insurers quote you a premium for your policy, they will first consider a number of factors…
The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required.
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