Business Insurance

Goods in Transit (GIT)

Protect Your Goods While They Are on the Move

Protect your cargo against theft, accidental damage, and loss while moving by road, rail, air, or sea — locally or internationally.

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Cover options

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Quick overview

It pays for goods lost or damaged in transit — from a vehicle accident, fire, theft or hijacking, a natural disaster, or mishandling during loading. Cover benefits the owner of the goods, so you're paid regardless of who caused the loss.

Why it matters

Why GIT Insurance Matters

A single incident during transportation can result in the loss of valuable stock or cargo. Insurance helps reduce the financial impact of covered losses and allows businesses to continue serving their customers.

Cover for goods on the move

Goods in transit insurance protects products, stock, and merchandise against loss or damage while they are being moved from one place to another. For any business that ships, distributes, or restocks between branches, it keeps a bad day on the road from becoming a financial loss.

Single trip or a whole year

Cover can be arranged as a single-transit policy for a one-off shipment, or as an annual open cover for regular movements. We match the policy to how often you move goods and how much they are worth.

Who it's for

Who this cover is for

Manufacturers and distributors
Importers and exporters
Logistics and transport companies
Retailers moving stock between branches

Cover options

Your cover options

Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.

Own Vehicle Transit

Covers goods carried in your own vehicles between locations.

Third-Party Carrier Transit

Covers goods while being transported by contracted carriers.

International Transit

Extends cover for goods moving across borders.

Protection

What this cover protects against

What applies to your policy depends on the cover level you choose and any extensions added.

local_shipping

Vehicle accidents

Collision, overturning, or derailment of the transporting vehicle.

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Fire & explosion

Damage to the consignment from fire or explosion in transit.

lock

Theft & hijacking

Goods stolen or hijacked on the route; theft from an unattended vehicle may be excluded.

storm

Natural disasters

Floods, storms, and earthquakes, generally under an all-risks policy.

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Loading & unloading

Damage that happens while the goods are being loaded onto or off the vehicle.

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Storage in transit

Goods held in temporary storage as part of the journey.

Key benefits

What you get with the cover

Door-to-door protection

Cover from the moment goods leave until they reach their destination.

Covers all modes

Protection whether goods travel by road, rail, air, or sea.

Loading and unloading included

Damage during handling on and off the vehicle is covered, not just time on the road.

Paid regardless of fault

As owner of the goods, you're compensated even when the carrier caused the loss, subject to policy terms.

Fast claims

A straightforward process to keep your business moving after a loss.

Flexible per-trip or annual cover

Cover suited to occasional shipments or continuous operations.

Exclusions

What's not covered

Wilful misconduct of the insured

Insufficient or improper packing of the goods

Ordinary wear and tear, leakage, or inherent defect of the goods

Delay, loss of market, and other consequential losses

War, terrorism, and nuclear risks, unless added by extension

Theft by your own employees (covered under fidelity guarantee insurance)

This is a general list. Your policy wording sets out the full exclusions that apply.

Getting covered

What you'll need

To take out cover

Business registration documents
Details of goods being transported
Type and value of cargo
Transportation route
Mode of transport
Estimated annual or regular transit value
Vehicle / transporter details where applicable

Report any loss or damage immediately, keep delivery notes and photos, and submit them with your claim as soon as possible.

Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.

Glossary

Common terms explained

Carrier

The party transporting the goods, whether your own vehicle or a contracted third party.

Consignment

A batch of goods shipped together, covered as a single insured trip.

Open Cover

An annual policy that automatically covers every qualifying shipment during the year, rather than one trip at a time.

Carrier's Liability

A separate policy that protects the transporter against claims from the goods owner when the transporter is negligent. It does not replace the owner's own goods in transit cover.

FAQ

Frequently asked questions.

The essentials on goods in transit (git) — what it covers, what you'll need, and how claims work. More on the FAQ page.

See all FAQs

Is cover valid for both local and cross-border transport?

Yes, cover can be arranged for transport within Kenya as well as regional and international shipments.

Does it matter who owns the vehicle carrying the goods?

No — cover can apply whether goods travel in your own fleet or with a contracted third-party carrier.

What if goods are damaged by the carrier's negligence?

Your goods-in-transit policy responds regardless of fault, and we can help pursue recovery from the carrier separately.

How is this different from carrier's liability insurance?

Goods in transit cover protects you as the owner of the goods and pays out regardless of fault. Carrier's liability protects the transporter against claims you bring against them, and only when they are found negligent — and their liability is often capped well below the real value of the goods. If you own the goods, carry your own cover.

Is theft from an unattended vehicle covered?

Often it is excluded unless the vehicle was left locked in a secure place. We'll point out the exact conditions in the wording before you buy.

Do I need a policy for every trip?

No. For regular movements an annual open cover insures every qualifying shipment automatically, so you don't arrange cover trip by trip.

Flexible cover

Cover matched to how you ship

Whether you move a container a year or a fleet of lorries every day, the policy should fit the pattern. Our advisors help you choose between single-transit and annual open cover, set the right limit per vehicle, and add the extensions your route needs.

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