Goods in transit insurance for removal contractors: someone's whole life in the back of your van
Furniture, appliances, personal belongings: if a customer's things are damaged in transit, the liability and the reputation hit both land on you. Our goods in transit cover for removal contractors protects both, from £282.70 a year for £10,000 of cover.
- £10,000 to £50,000 cover for customers' belongings
- Trailer cover extension available
- European cover for haulage and freight
- Tool cover included
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Removals cover at a glance
What you get
- Customers' furniture, appliances and belongings against loss, damage and theft
- Cover levels from £10,000 to £50,000
- Trailer cover extension available
- European cover for haulage and freight
- Tool cover included (20% coinsurance applies to theft claims)
- Refrigerated goods extension available
What's not covered
- Items left in an unlocked or unsecured vehicle
- Damage caused by inadequate packing or wrapping
- Items not declared, or above the cover limit
- Wilful damage and intentional acts
- High-theft-risk goods (excluded on the economic product)
Public liability and employer's liability can be added under the same policy, and employer's liability is a legal requirement if you employ staff, so tell us if you do.
Moving someone's belongings is a liability, not just a job
When you carry a customer's furniture, appliances and personal valuables, you're responsible for them from door to door. If something is damaged, lost or stolen during the move, you can be held personally liable for the full cost, and in the removals trade, one bad move travels fast by word of mouth.
Goods in transit insurance for removal contractors covers the items you transport on behalf of customers against exactly those risks. It protects the business financially and gives customers a straight answer when they ask whether their belongings are insured while you move them. Note the standard conditions, though: items left in an unlocked vehicle, or damage caused by inadequate packing or wrapping, aren't covered; good practice on the day still matters.
What the policy includes
Cover runs from £10,000 to £50,000, with £10,000 costing £282.70 per year. A trailer cover extension protects goods you move by trailer as well as in the van, European cover is available for haulage and freight work, and the policy can be extended to refrigerated goods if you carry them.
Your own kit is looked after too: tool cover is included, with a 20% coinsurance clause for theft or attempted theft from a vehicle outside working hours, meaning the insurer pays 80% of that loss. Public liability and employer's liability can be added as optional extensions, all under one policy, and you can pay annually or by monthly instalments.
Who this policy suits
It's built for the removals trade first, from sole traders with one van through to companies running a fleet, but the same product fits several kinds of operator:
- Removal contractors and house movers carrying customers' belongings
- Tradespeople transporting their own tools between jobs
- Hauliers needing all-risks or RHA cover
- Hauliers requiring CMR cover for international work
- Businesses transporting refrigerated goods
From enquiry to insured in three steps
Tell us what you need
Fill in the two-minute form with the cover you're after and when to call you, or ring us directly on 01323 416706.
We search our panel
Our brokers match your details against a panel of UK insurers and call you back at your chosen time with the options and prices.
Covered the same day
Happy with a quote? We arrange the policy there and then, and email your documents the same day.
Questions drivers actually ask
Straight answers from the team that arranges this cover every day. Anything else? Call 01323 416706 and a human will pick up.
See all FAQsWhat is goods in transit insurance for removal contractors?
Cover for the items you transport on behalf of customers, such as furniture, appliances and personal belongings, against loss, damage and theft during the move. It protects you against personal liability claims if something goes wrong in transit. Call 01323 416706 for a quote.
How much does it cost?
£10,000 of cover costs £282.70 per year, with higher levels of £25,000 and £50,000 available. You can pay annually or spread the cost across monthly instalments.
Is European cover included?
European cover for haulage and freight is available as a standard feature on our removal contractor policies, and CMR cover can be arranged for hauliers doing international work. Tell us where you operate and we'll set the policy up to match.
Can I add public liability and employer's liability?
Yes, both can be added as optional extensions under the same policy. Public liability protects you against injury or property damage claims, and employer's liability is a legal requirement if you employ staff, so mention your team when you call.
Does it cover my 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 that loss. Keeping the vehicle locked matters: items taken from an unlocked vehicle aren't covered.
What isn't covered?
The main exclusions are items left in an unlocked or unsecured vehicle, damage caused by inadequate packing or wrapping, items not declared or above your cover limit, wilful damage, and high-theft-risk goods on the economic product. We'll walk you through the conditions before you buy.
Protect every move you make
Two minutes on the form, a callback at your chosen time: customers' belongings covered from £282.70 a year.