At Ashburnham Insurance, we understand that self-employed couriers are the backbone of the UK’s delivery network. Whether you’re working for one major parcel carrier or juggling deliveries for multiple companies, your role is vital in keeping goods moving quickly and reliably. From online shopping orders to urgent business consignments, customers are relying on you to deliver safely and on time.
But along with the rewards of courier work come risks. Damage, theft, or loss of goods in your care could lead to costly claims and even jeopardise your relationship with the companies you work for. That’s where Goods in Transit insurance comes in, providing financial protection if the unexpected happens while you’re on the road.
What Is Goods in Transit Insurance?
Goods in Transit insurance covers the items you’re transporting against loss, theft, or damage from the moment they’re collected until they’re delivered. For self-employed couriers, this is essential cover. If a customer’s goods are damaged in an accident, stolen from your vehicle, or lost in transit, you could be held responsible for the cost.
Without GIT insurance, you could face having to pay for these losses yourself, an expense that could easily run into thousands of pounds.
Meeting Conditions of Carriage Requirements
Many major delivery companies, such as Hermes, TNT, FedEx, Parcelforce, DHL, Yodel, Amazon, DPD, and UK Mail, require couriers to have a certain level of Goods in Transit cover. These requirements are often set out in their conditions of carriage, which specify the maximum liability they expect a courier to have.
With our courier-focused Goods in Transit policy, we provide, as standard, £50,000 for liability in line with these conditions of carriage. This ensures that you meet the expectations of multiple carriers without the need for separate policies or constant upgrades.
For a self-employed courier, this means peace of mind: you know you’re not just compliant but also protected for a wide range of potential claims.
Why Self-Employed Couriers Need Comprehensive Protection
Couriers face a unique set of risks every single day:
- Theft from vehicles: Opportunistic thieves often target delivery vans, especially during multi-drop rounds where the vehicle may be unattended for short periods.
- Traffic accidents: Even a minor collision can result in damaged goods, particularly if fragile or high-value items are involved.
- Handling damage: Packages can be damaged while loading, unloading, or even during the sorting process.
- Loss or misdelivery: High-volume routes increase the chances of parcels being misplaced.
For self-employed couriers, every incident can directly impact your earnings and reputation. Having GIT insurance in place is not just about meeting contractual obligations; it’s about safeguarding your livelihood.
The Cost of Not Being Covered
Imagine delivering for multiple parcel companies in a single day. You’ve just finished a busy run when you return to your van to find it’s been broken into. Several high-value items are gone, including laptops, smartphones, and other expensive goods. Without the right Goods in Transit insurance, you could be personally liable for replacing them.
Even a single claim could outweigh the cost of your annual premium. For many couriers, the financial impact of going without Goods in Transit cover simply isn’t worth the risk.
Flexibility for Multi-Carrier Couriers
One of the biggest challenges for self-employed couriers is working with different carriers, each with its own terms, liability limits, and documentation. Our Goods in Transit policy is designed to give you the flexibility to work with multiple companies without worrying about whether you’re adequately covered.
By matching the standard £50,000 liability commonly required by major UK carriers, our cover removes the guesswork and allows you to focus on the job.
A Safety Net That Works Alongside Your Other Cover
While Goods in Transit insurance protects the items you’re carrying, it’s also important to think about how it fits into your wider insurance needs. Many self-employed couriers also take out public liability insurance to protect against injury or property damage caused to others in the course of their work.
By combining Goods in Transit cover with these policies, you create a comprehensive safety net that covers both your vehicle and the goods you transport.
Why Choose Ashburnham Insurance?
At Ashburnham Insurance, we take pride in offering cover that’s tailored to the realities of modern courier work. We understand the demands of tight schedules, high parcel volumes, and the need to adapt quickly to changing delivery requirements.
Our Goods In Transit insurance policy for couriers includes:
- £50,000 liability cover in line with major UK carriers’ conditions of carriage.
- Protection against theft, loss, and damage while goods are in your care.
- Cover that works whether you’re delivering for one company or several.
- A straightforward, no-nonsense claims process to get you back on the road quickly.
Confidence with Every Delivery
For self-employed couriers, Goods in Transit insurance is an essential part of protecting your business. Whether you’re delivering for Hermes, TNT, FedEx, Parcelforce, DHL, Yodel, Amazon, DPD, UK Mail, or a combination of them, having the right level of cover ensures you’re meeting contractual obligations and safeguarding your income.
At Ashburnham Insurance, our courier-specific Goods in Transit cover is designed with your needs in mind, giving you the confidence to get on with the job knowing that both you and the goods you carry are protected. Call FREEPHONE 0800 1696137 to speak to one of our friendly team.