Goods in Transit Insurance

Cover for the goods you move.

Goods in transit insurance for South African businesses and transport operators. We help you arrange cover around the goods you carry, your routes and your responsibilities.
Request a Quote
WhatsApp Us

GOODS IN TRANSIT COVER SHOULD REFLECT WHAT YOU CARRY

Moving your own stock is different from carrying a customer’s goods. The insurance should reflect what is being transported, its value, the routes travelled and who is responsible for loss or damage.

Cover for the goods themselves and cover for a transporter’s liability are different arrangements. We help you review ownership, transport contracts and the proposed policy wording so that the cover matches your role.

Inscorp assists South African businesses and transport operators with goods in transit insurance. We discuss your loads and operating arrangements, then help you review the proposed limits, excesses, exclusions and conditions before you decide.

WHO WE ASSIST

• Road transport operators carrying customers’ goods
• Businesses transporting their own stock or materials
• Manufacturers, wholesalers and distributors
• Retailers arranging deliveries
• Businesses using contracted transport companies
• Operators carrying refrigerated or temperature-sensitive goods
• Transporters carrying specialist or high-value loads

GOODS IN TRANSIT INSURANCE SOLUTIONS

The cover you need depends on whether you own the goods or carry them for customers, what you transport and how you operate. We help you review the options below against your responsibilities and the insurer’s policy wording.

TRANSPORTERS’ GOODS IN TRANSIT COVER

Cover for transport operators carrying customers’ goods, subject to the agreed policy wording. We help you review the cargo carried, your responsibilities and the maximum load value against the proposed cover, limits and conditions.

OWNERS’ GOODS IN TRANSIT COVER

Cover for businesses insuring their own goods while in transit, whether carried in their own vehicles or by contracted transporters, subject to the policy wording. We help you review the goods, values and transport arrangements that need to be insured.

LOAD VALUES & SPECIALIST GOODS

The maximum value carried on one load and the type of goods need careful review. We help you identify cargo that requires specific insurer acceptance and check the valuation basis, load limits and any restrictions applying to new, used or high-value goods.

REFRIGERATED & TEMPERATURE-SENSITIVE GOODS

Temperature-related damage needs specific review and may require an agreed extension. We help you check the goods carried, refrigeration arrangements and the proposed cover for deterioration of stock, including relevant exclusions and operating conditions.

LOADING, OFFLOADING & TRANSIT STORAGE

Handling goods and holding them temporarily during transit can affect how the policy responds. We help you review who controls loading and offloading, where goods are stored and the applicable time limits, security requirements and exclusions.

ROUTES, THEFT & SECURITY CONDITIONS

We review your local and cross-border routes against the policy’s territorial limits. We also help you check how theft and hijacking cover applies, together with any tracking, parking, vehicle and security conditions relevant to your loads.

KEEP COVER IN STEP WITH YOUR LOADS AND ROUTES

A new type of cargo, a higher load value or a different route may change your insurance needs. Speak to us before the change takes effect so we can review the arrangements with the insurer.

Let us know when you plan to:

• Carry different goods, used equipment or specialist cargo
• Increase the maximum value carried on one load
• Add new routes or cross-border destinations
• Change vehicles or use subcontracted transport
• Carry refrigerated or temperature-sensitive goods
• Change loading, offloading or temporary storage arrangements
• Accept new responsibilities under a transport contract

Any required changes to cover must be agreed with the insurer. Contact us before the goods move so you understand what has been accepted and which conditions apply.

WHY WORK WITH INSCORP?

We take time to understand what you carry and how you operate.

We discuss your goods, load values, routes and transport responsibilities before approaching suitable insurance markets. We help you compare the proposed cover, explain relevant conditions and clarify questions with the insurer.

As your business changes, we help you review your insurance. If you need to claim, we guide you through the process and follow up on your behalf.

The information on this page is general. Recommendations depend on your circumstances and the proposed policy wording. Cover remains subject to insurer underwriting and the applicable terms, limits, excesses and exclusions.

The Risk Always Feels Distant….. Until It Becomes Yours.

Let’s review your goods in transit cover around what you carry and how you operate today.

REQUEST A QUOTE
WHATSAPP US