Goods in Transit insurance (GIT): what it is and why it matters

Goods in Transit insurance is designed to cover goods against specified risks while they are being transported. For a Man & Van business, it is different from the motor insurance covering the vehicle itself.

What can GIT insurance cover?

Depending on the policy, cover may respond to loss, theft or accidental damage to customers' goods while in transit. Policies differ substantially, so the insured amount, exclusions, excesses, security requirements and definitions matter.

Is GIT the same as Hire & Reward?

No. Hire & Reward relates to using the vehicle for paid carriage. Goods in Transit insurance concerns the goods being carried. Having one does not automatically mean a driver has the other.

Things drivers should check

Consider the maximum value carried on a typical job, single-item limits, excluded goods, unattended-vehicle conditions, overnight storage, theft requirements and whether loading and unloading are included. Do not assume every customer's belongings fall within the policy.

Things customers should ask

If insurance is important to your decision, ask the driver what cover they hold and whether it is suitable for the goods you are asking them to move. For particularly valuable, fragile or unusual items, disclose them before accepting a quote and discuss the position directly with the provider.

How NAMNAV fits in

NAMNAV lets customers compare independent drivers' prices and feedback. NAMNAV does not guarantee that a provider holds GIT insurance or that a particular policy will cover your job. Insurance questions should be confirmed directly with the chosen provider.

Ready to compare providers? Post a job on NAMNAV and compare the quotes you receive.

General information only, not insurance or legal advice. Cover varies by insurer and policy; check current terms with the relevant insurer or broker.