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Goods in Transit for Removal Contractors

Goods in Transit for Removal Contractors

Goods in Transit for Removal Contractors — Protect Items You Move

Goods in transit insurance for removal contractors covers the items you transport on behalf of customers — furniture, appliances, personal belongings, and valuables — against loss, damage, and theft during the move. If a customer's belongings are damaged in transit, you could be held personally liable. This specialist cover protects your business and your reputation.

At Vehicle Cover, our goods in transit policies for removal contractors include cover from £10,000 to £50,000, with £10,000 cover costing just £282.70 per year. Features include trailer cover extension, European cover for haulage and freight, tool cover with a 20% coinsurance clause for theft, and an option to extend to refrigerated goods. Optional public liability and employer's liability can be added under one policy.

Whether you are a sole trader with one removal van or a company with a fleet, Vehicle Cover will find the right goods in transit cover for your removal business.

Get a quote online or call us on 01323 416706.

Why Our Goods in Transit for Removal Contractors

1. Cover from £10,000 to £50,000 for items in transit
2. Trailer cover extension available
3. European cover for haulage and freight
4. Tool cover included
5. Optional public liability and employer's liability
6. Annual or monthly payment options

What's NOT Covered

1. Items left in an unlocked or unsecured vehicle
2. Damage caused by inadequate packing or wrapping
3. Items not declared or exceeding the cover limit
4. Wilful damage or intentional acts
5. High-theft risk goods (economic product excludes these)

Key Features of Our Goods in Transit for Removal Contractors

Moving customer belongings is a high-responsibility job. Vehicle Cover goods in transit insurance for removal contractors protects you against the financial impact of loss or damage during a move.

From £282.70/Year

£10,000 cover for just £282.70 per year. Higher cover levels of £25,000 and £50,000 available for larger operations.

Trailer Cover Extension

Extend your cover to include goods transported in trailers — essential for removal contractors who use trailers alongside vans.

Vehicle Cover has been providing goods in transit insurance for removal contractors since 2019. Our policies are designed for the specific risks of the removal industry — from furniture damage to tool theft.

Removal contractors and house movers
Tradespeople transporting tools
Haulers needing all-risks, RHA, or CMR cover
Refrigerated goods extension available
Goods in Transit for Removal Contractors key features
● DETAILS

Additional Goods in Transit for Removal Contractors Details

More About Goods in Transit for Removal Contractors

  • Choose between £10K, £25K and £50K Cover

Existing customers, please call:01323 416706

Our specialist courier team provides insurance cover for businesses that transport goods for customers, helping to protect against the financial impact ofloss or damagefollowing an accident during transit.

Who the product is suitable for:

  • Those who transport goods either on behalf of someone else or their own goods
  • Tradespeople looking to cover their tools while in transit in their vehicle
  • Haulers who need all risks or RHA cover
  • Haulers requiring CMR cover

Those transporting refrigerated goods

The tools cover includes a 20% coinsurance clause for theft or attempted theft from a vehicle outside of working hours, where the insurer will pay 80% of the loss/damage

  • European cover available for Haulage and Freight
  • An economic product is available that excludes high theft risk goods
  • Extension available to cover refrigerated goods
  • Choose your level of Cover from £10K to £50K
  • Optional Public Liability and Employers' Liability
  • Pay annually or in instalments

£10K Cover costs only £282.70 per year

Since our founding in 2019, we have helped countless professional drivers get the protection they need.

  • Our flexible, affordable cover can insure:
  • Van owners who transport goods for payment

Lifestyle Removal Contractors

We’ve gained a deep understanding of the challenges you face and can tailor cover to meet your need.

If your business involves being contracted to move goods from one place to another, delivering these items safely and without damage will be a high priority. We specialise in providing insurance for the transportation sector. We can help you obtain appropriate levels of cover to suit your business and can provide goods in transit cover either as standalone cover or as part of a courier insurance policy.

Our specialist team is available to take your call and discuss your requirements.

Goods in transit insurance covers the cargo (goods or products) you transport from one location to another as part of your removal business. It is not a legal requirement, but it is highly recommended that you cover the risks you face when transporting other people’s goods. Without it, you could be held personally liable for issues arising while delivering goods. Removers and haulers also needinsurance for their vehiclesand public liabilities. Alongside these, goods in transit insurance provides full cover for the risks you face while on the road. It could only take an emergency stop in a vehicle to send tens of thousands of pounds worth of goods tumbling into each other and causing irreparable damage. Or somebody might compromise the security of your vehicle while goods are transported between destinations, with items stolen as a result. Goods in transit insurance protects the goods you transportas a removal contractor against damage or destruction, loss, theft, delayed delivery, and consequential losses for items not delivered correctly. Whilst aremovals van insurance policy protects the driver and the vehicle, goods in transit cover the cargo on board (goods and products). Additionally, goods in transit cover often come with £10m ofPublic liability insuranceand £5m ofemployers’ liability insurance—handy protection against the risks you and your employees face while delivering goods! Furniture, electrical goods, valuable antiques, and other items are typical items covered for removal contractors under a goods-in-transit policy. Up to £50,000 per load is available for cover, with individually listed items covered up to £1,000. The driver’s personal effects can also be covered up to £200.

UK Sure pricing is straightforward. The table below shows UK Sure Goods in Transit prices for one vehicle.

You canquote and buy online Goods in Transit for Removal Contractors using this quote form.

  • UK Sure Goods in Transit prices are:
  • £10,000 Premium costs £322.70
  • £25,000 Premium costs £410.12
  • £50,000 Premium costs £528.75
  • Choose your level of Cover from £10K to £50K
  • Optional Public Liability and Employers' Liability
  • Pay annually or in instalments

£10K Cover costs only £322.70 per year

The insurance packages we offer for removers ensure that you have a complete cover that protects your removal van, your livelihood, and the items you are taking. Whether you need furnitureremover goods in transit insuranceas a man and van operation or have a large fleet of removal vans, our goods in transit for furniture removers cover everything you need and what your customers want to be covered.

Dealing with house moves day in and day out means you will need the rightfurniture removal goods in transit policy. You will also need staff who are experienced, know your industry, can offer information in the event of a claim, and can get your documents to you as soon as possible.

Thankfully, we have been insuring removal companies for years, and our knowledge and experience, as well as our great relationship with insurers, mean we can offer cheap removal insurance policies with extensive cover.

Our policies are all-risk, so you are covered up to the full limit of your policy (minus your excess, which is standard on every type of insurance). We can also accommodate EU Removals cover, so if you are a European Removals company, we can ensure the movement of household goods for any of your outgoing ex-pats (or even incoming ex-pats!). Even if you trade as a Man and Van service, if you transport multiple household items or furniture, insurers would classify this as removal! Choosing a £15,000 limit to cover the goods you carry means you are covered to this limit. This may seem obvious, but there are many Goods in Transit policies around that don't offer such a comprehensive policy as we do and have clauses that mean you won't get paid out what you think you will, such as weight-based policies.

Our Liability Insurance for furniture movers provides you with the full cover you and your business need, all with flexible payment methods. We'll cover you for:

  • Removers public liability
  • Removers employers liability

Examples of incidents where you need liability insurance:

You don't provide your employees with the right equipment for a move, a back brace or gloves, for example, and they injure themselves while carrying out a move - Employer liability.

You are in a customer's house collecting furniture and dropping an item, damaging their wooden floor.

This insurance(Goods in Transit) is arranged by Arya Underwriting who is also the policy administrator and is underwritten by Chubb Insurance

This insurance(Liability) is arranged by Arya Underwriting who is also the policy administrator and is underwritten by Chubb Insurance

  • Choose your level of Cover from £10K to £50K
  • Optional Public Liability and Employers' Liability
  • Pay annually or in instalments
  • £10K Cover costs only £282.70 per year
  • Removers, hauliers, and van owners transporting goods for payment
  • Tradespeople covering tools in transit
  • Hauliers needing RHA, CMR, or all-risks cover
  • Contractors transporting refrigerated goods
  • 20% coinsurance clause for tool theft outside working hours
  • Option to exclude high-theft-risk goods
● FAQS

Frequently asked questions

1. What is goods in transit insurance for removal contractors?

It covers the items you transport on behalf of customers — furniture, personal belongings, appliances — against loss, damage, and theft during the move. It protects you against personal liability claims. Call 01323 416706 for a quote.

2. How much does goods in transit cost for removal contractors?

£10,000 cover costs £282.70 per year. Higher cover levels of £25,000 and £50,000 are available. You can pay annually or in monthly instalments.

3. Is European cover included?

Yes. European cover for haulage and freight is available as a standard feature on our removal contractor goods in transit policies.

4. Can I add public liability and employer's liability?

Yes. Both can be added as optional extensions under one policy. Public liability protects you against injury or property damage claims, and employer's liability is a legal requirement if you employ staff.

5. Does it cover tools and equipment?

Yes. Tool cover is included with a 20% coinsurance clause for theft or attempted theft from a vehicle outside working hours — the insurer pays 80% of the loss.

6. Who is this product suitable for?

Removal contractors, tradespeople transporting their own tools, haulers needing all-risks or RHA cover, haulers requiring CMR cover, and businesses transporting refrigerated goods.

7. What is goods in transit for removals?

Goods in Transit insurance is an insurance policy that all removals companies should have. It will cover you from any damage or losses to your personal belongings during the move. Therefore, damages by movers and packers outside of transit (vehicle) will not be covered.

8. Do I need removal insurance?

The most important cover to have in place when moving home is a contents insurance policy that includes house removals. This kind of cover typically includes accidental loss or damage to your contents while they're being moved by a professional removals company to your new home.

9. Who is responsible for goods in transit?

Ownership of goods in transit depends on the terms of sale. In the case of FOB destination, the seller is the owner of the goods in transit and is, therefore, liable for the shipment. But under FOB selling point, the buyer is the owner of the in-transit inventory, making them liable for the shipment.

10. Who is liable for goods lost in transit?

The carrier shall be liable to compensate up to a certain amount, mentioned in the contract, for the loss of or damage to goods during transit. The carrier shall be liable for the loss or damage as per a certain term of the contract.

11. What happens if you remove your insurance?

Even if you aren't driving, you may risk fines or a licence suspension if you own a registered vehicle but don't have insurance. Canceling your insurance will also lead to a lapse in car insurance cover, which may mean higher rates in the future.

12. What does this insurance cover?

Theft from a locked vehicle Loading and unloading incidents Damage due to fire or flood

13. Is this insurance legally required?

No, it’s not legally required, but it is strongly recommended to protect your business and maintain client trust.