Protect your goods between the warehouse and the customer.
Cover for stock and goods while they’re being moved by road, whether in your own vehicles or a transporter’s. We help you match cover to how, where and how often you ship.
Two ways to cover your shipments
Which one suits you depends on how often you ship. Limits, exclusions and conditions depend on the insurer’s policy wording.
Annual cover
One policy for all your trips over the year, up to an agreed limit per load. Suits businesses that move goods regularly.
Single-trip cover
Cover for one specific consignment. Suits occasional or one-off shipments.
Packing and loading
How goods must be packed and secured for cover to apply.
Unattended vehicles
Conditions for overnight stops and parking.
Routes and territory
Within Kenya, or across borders into the region.
If goods are lost or damaged
Photograph the damage, keep the delivery notes and invoices, give the carrier written notice, and tell us straight away so we can notify the insurer.
Goods-in-transit claims checklist →Running your own vehicles?
Goods-in-transit covers the cargo. The vehicles themselves need motor or fleet cover.
See fleet insurance →Keep cash in the business. Spread your premium.
Pay in full, in two payments (50:50) or three (40:30:30), or spread it over 10 months with premium financing powered by Invictus.
Goods-in-transit questions
Isn’t my transporter already insured?
A transporter’s own cover may be limited or may not protect you as the owner of the goods. We help you check what their policy covers and where the gaps are.
Does it cover goods sent outside Kenya?
Some policies can extend to cross-border routes in the region. Tell us your routes and we will check.
What about goods imported by sea or air?
Imports by sea or air are usually covered by marine cargo insurance rather than goods-in-transit. We can help arrange it.
How is the value of the goods worked out?
It is set out in the policy, often based on invoice or replacement value. Make sure the limit per load covers your most valuable shipment.