Goods-in-transit (GiT) insurance is carried by most removal companies — but it often provides less protection than people expect. Here's exactly what it covers, what it excludes, and when you need more.
Key Points
Goods-in-transit (GiT) insurance covers goods while being transported by a removal company
Standard GiT is typically based on weight, not replacement value — often £40-£60 per item
Items packed by the customer (not the removal company) are usually excluded from claims
GiT does not usually cover jewellery, cash, documents, or valuables
You can upgrade to full-value all-risks cover with most reputable removal companies
BAR members must carry a minimum level of GiT insurance — always ask for the specific level of cover
What Is Goods-in-Transit Insurance?
Goods-in-transit (GiT) insurance is a commercial insurance policy held by removal companies that covers customers' belongings against loss or damage while they are being transported. It is a legal requirement for professional removal companies operating commercial vehicles.
The critical thing to understand is that GiT insurance is held by the removal company — not by you. This means the company's insurer will handle the claim, and the level of cover (and your payout) depends entirely on the company's specific policy terms.
What Does GiT Insurance Cover?
Typically Covered
Furniture damaged by the removal team
Items lost during transit
Breakage of professionally packed items
Accidental damage during loading/unloading
Theft from the removal vehicle (in most policies)
Typically Excluded
Items packed by the customer
Jewellery, cash, and documents
Pre-existing damage or wear and tear
Plants, pets, and perishables
Electrical/mechanical failure
Items not disclosed at pre-move survey
Weight-Based vs Value-Based Cover
Cover Type
How Payout Is Calculated
Example
Best For
Weight-based (standard GiT)
Fixed amount per kg or per item (e.g. £40/item)
TV worth £800 damaged — payout £40-£60
Low-value moves only
Value-based (all-risks upgrade)
Declared replacement value of the specific item
TV worth £800 damaged — payout up to £800
Most moves — recommended
Always ask the removal company which type of cover is included and what the maximum payout per item is.
The "Packed by Owner" Exclusion
One of the most important exclusions in GiT insurance is the "packed by owner" or "PBO" clause. This means:
If you pack the boxes, the removal company cannot verify items were packed correctly
If anything inside a box you packed is broken, the company will likely reject your claim
The exclusion only applies to the internal contents — if the box itself is crushed, that may still be covered
To avoid this: either pay for the professional packing service or take out standalone removals insurance that covers PBO items
Questions to Ask Your Removal Company
"What is the maximum payout per item under your standard GiT insurance?"
"Is cover based on weight or replacement value?"
"Are items packed by the customer excluded from claims?"
"Do you offer full-value all-risks cover as an upgrade? What does it cost?"
"Are items in storage covered under your policy?"
"How long do I have to submit a claim after the move?"
"Are you a BAR member with approved alternative dispute resolution?"
Frequently Asked Questions
Is goods-in-transit insurance compulsory for removal companies?
Removal companies are required to carry goods-in-transit insurance as part of their operating requirements. BAR (British Association of Removers) members must meet minimum insurance standards. However, the level of cover varies significantly between firms.
What's the difference between GiT insurance and removals insurance?
GiT insurance is held by the removal company and covers goods in their care. Standalone removals insurance is a policy you take out yourself — it can cover goods packed by the owner, storage periods, and provide full replacement value regardless of how the removal company's claim is handled.
Should I declare all my high-value items?
Yes — always declare items worth over £500 to the removal company before the move. Failure to declare may result in a claim being rejected. Keep receipts or photographs for high-value items like electronics, artwork, and antiques.
What should I do if my removal company's insurance doesn't pay out?
If the company is a BAR member, use their approved Alternative Dispute Resolution (ADR) scheme. If they're not a BAR member, you can pursue the matter through the Financial Ombudsman Service (if regulated) or through the small claims court for amounts under £10,000.