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Goods In Transit

About Cover

This policy provides cover for loss or damage to various types of goods/consignments while in transit by road, rail or any inland waterway within the geographical area set out in the policy.

Types of covers

The cover is ordinarily provided on accommodation basis only (meaning with other classes of insurance)

Single Transit Policy

This is suitable for existing and/or potential clients whose businesses do not warrant an annual policy. Under this type of policy, cover is arranged from the place of loading to the place of discharge or unloading for one transit or series of transits within a definite short period of time.

Annual Policy

This is a renewable annual cover and the insured is required to describe the following:

Type of consignments

Limit for any one Carry

Estimated Annual Carry

Perils covered under Goods in Transit Policy

Road/Rails Risks Cover Only



Breakage of bridges


Accidental overturning


All Risks Cover

Water/Rain damage

Theft, pilferage and shortages

All perils covered under item 1 above

Requirements for Quotations

Type of goods to be transported must be declared before placing cover

Names of countries and/or places from which the goods will be transported and their destinations

List and/or specifications of the insured vehicles/hired vehicles and their carrying capacity

The maximum limit of any one transit for own vehicles, hired vehicles or rail. The values indicated shall be deemed to be the sum insured and insurers limit of liability

The Estimated total value (Estimated Annual Carry) of goods in transit during the proposed period of insurance

Territorial Limit may be restricted

Banditry prone areas may be excluded.

Learn how to protect yourself, family, assets and business

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