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Protection on the move
Whether it’s across the country or around the world, the road to successful transit is often filled with twists and turns – both literally and figuratively. As a business owner or logistics manager, you know the stakes all too well.
We understand that every shipment is more than just goods; it’s your promise to your customers. Goods in Transit Insurance safeguards this relationship and protects you from potential risks.
It’s a financial safety net that allows for smoother, worry-free logistics operations. Are you adequately covered?
What’s at risk?
Goods in Transit Insurance is a critical necessity if you’re transporting goods. Here are some risks you need to be aware of that Goods in Transit Insurance can cover.
Damage to cargo
Goods in Transit Insurance is designed to safeguard against damage to cargo during transportation. This coverage encompasses a range of scenarios, including accidents, rough handling, and mishaps that occur during the loading and unloading process. It extends to weather-related damages caused by adverse conditions, such as heavy rain, storms, or extreme temperatures. It also provides financial protection for losses incurred during cargo handling, ensuring that your valuable goods remain secure throughout their journey.
Accidents and collisions
The unpredictability of road conditions makes accidents and collisions a genuine concern during cargo transportation. Goods in Transit Insurance steps in to shield you from the potential financial impact of such events. Whether it’s a collision with another vehicle, an encounter with unexpected road hazards, or contact with stationary objects, this coverage ensures that your cargo remains protected. It allows you to navigate the roads with confidence, knowing that you have a safety net in place.
Delays and business interruption
Delivery delays can disrupt your logistics operations and result in financial losses. Goods in Transit Insurance can provide coverage for these delays, offering compensation for additional expenses and income losses incurred due to unforeseen events. Whether it’s a breakdown, accident, or other unexpected occurrences that impede your delivery schedule, this coverage ensures that your business remains resilient in the face of disruptions.
Third-Party Liability
Operating as a courier involves interacting with various parties, including clients, customers, and the general public. In the event that you are held legally responsible for damage to third-party property or injury to third parties during the delivery process, Goods in Transit Insurance offers protection. It safeguards your financial interests and provides assistance in managing potential legal liabilities, allowing you to focus on your core business operations with confidence.
Need to make a claim?
Don’t worry – we’re here to help. Follow these steps to ensure a smooth claims process.
1. Gather information
Collect your essential information, including your policy number, insurer’s name, and agent’s contact. Be ready to describe the incident type, damage or loss, how it occurred, any witness, and any additional documentation or photos if available.
2. File your claim
To file a claim, contact your insurer and provide your policy number. The claims adjuster may request more information or documents, and some insurers offer online claim forms for quick submission.
3. Review and negotiate the claim
Once you file your claim, the insurer will respond within ten business days. If approved, expect a settlement offer that may be lower than anticipated. If denied, they’ll provide a reason, and you can appeal with legal guidance. Keep all related documents for future reference, and if your claim is approved, move forward accordingly.
4. Get the payment
After settling, expect a payment from the insurance company. For inquiries or claim status updates, contact your insurer or broker. In exceptional cases, like catastrophes, the process may extend up to 12 months, but you can still inquire about your claim’s status.
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Why GSK Insurance?
When being mobile is your livelihood there is too much at stake for you to risk not having adequate insurance. A call to GSK’s team of experienced courier insurance brokers sets in motion a process designed to provide you with comprehensive and competitively priced cover that is specifically tailored to suit your courier needs.
You work hard to grow your courier business – don’t risk your future with inadequate insurance. Protect your future GSK’s Couriers Insurance package. Give us a call for courier insurance quotes today.
40 years experience
With over 40 years of experience, we’ve seen it all – and that’s why our customers trust us to provide them with the best insurance solutions for their unique needs.
Tailored Insurance Packages
Don’t settle for a one-size-fits-all insurance plan. Our tailored courier insurance ensures that you get the coverage you need to keep your business running smoothly.
Instant Quotes
Get the coverage you need, fast. With our instant quotes, you can find out just how affordable insurance can be, in just a few clicks.
Australia Wide Cover
From the outback to the coast, our Australia-wide cover means that you’ll always have the peace of mind you need to operate your business with confidence.
Competitive Pricing
Why pay more than you have to for insurance? Our competitive pricing ensures that you get the coverage you need at a price you can afford.
Excellent Customer Service
We believe that great customer service is the foundation of GSK Insurance. That’s why we go above and beyond to provide you with the support and guidance you need to make informed decisions about your insurance coverage.
Frequently Asked Questions
What goods are not covered under Goods in Transit Insurance?
Goods in Transit Insurance often excludes specific categories of goods, including hazardous materials, illegal or prohibited items, live animals, high-value items, perishable goods, fragile items, cargo without proper documentation, damaged goods, and intentionally damaged cargo. Policyholders should carefully review policy terms and conditions to understand these exclusions and explore options for specialised coverage when necessary.
Who needs Goods in Transit Insurance?
Goods in Transit Insurance is essential for businesses and individuals involved in transporting goods, whether it’s couriers, logistics companies, manufacturers, or import/export businesses. It offers financial protection against unexpected events that can result in cargo damage or loss.
What type of cargo can be covered with Goods in Transit Insurance?
Goods in Transit Insurance can cover a wide range of cargo, including merchandise, raw materials, machinery, and more. The specific types of cargo covered depend on the policy and can often be customised to suit the needs of the insured.
What risks does Goods in Transit Insurance typically cover?
This insurance can cover risks such as accidents, theft, damage due to mishandling, weather-related damage, and other unforeseen events that can occur during transportation.
Is Goods in Transit insurance limited to certain modes of transport?
No, Goods in Transit Insurance is versatile and can provide coverage for goods transported by various means, including road, rail, sea, and air.
Are there exclusions in Goods in Transit Insurance policies?
Yes, like all insurance policies, Goods in Transit Insurance policies may have exclusions. It’s important to review the policy terms and conditions carefully to understand what is not covered.
Is Goods in Transit Insurance a legal requirement for transporting goods?
While it may not be a legal requirement in all cases, some contracts, clients, or regulatory authorities may stipulate the need for Goods in Transit Insurance. It’s essential to check local regulations and contractual obligations.
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Goods in Transit Insurance by GSK Insurance
For more information about Goods in Transit Insurance, contact GSK Insurance Brokers today.
Courier Hotline: 1300 220 212
Courier Email: courier@gskinsurance.com.au
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