Goods In Transit (GIT) Insurance in South Africa

Goods in Transit (GIT) Insurance is a must for Cargo Owners and Transporters – It provides peace of mind, as well as financial protection. It covers property against loss or damage while freight is in transit from one place to another, or when being stored during a journey.

Goods in Transit (GIT) Insurance provides
financial cover for Cargo Owners and Transporters

Why Goods In Transit (GIT) Insurance:

Goods In Transit (GIT) Insurance protects the Transport Owner or Operator for their responsibility – in the event of damaged or lost freight being transported.

Consider policy cover for theft or loss, whilst in transit - also damage through accidents, or whilst in transit.

Ensure to select the best Goods in Transit (GIT) Insurance cover as protection – should the worst happen.

Liability risk exposure should also be looked at carefully. Massive financial losses may be incurred by the contractor, transport broker, or the owner – if the right cover is not in place.

Being a specialist area, all product options should be considered.

DIB Solutions (Pty) Ltd have partnered with reputable underwriters and various insurance companies in order to assist our clients with appropriate Insurance cover – we can therefore also assist clients with tailor-made products (where applicable) at competitive premiums. We provide a professional and personal service, as well as build long-term relationships with our clients. Discuss your individual needs with one of our experts.


Also note some of the important considerations when looking for Goods In Transit (GIT) Insurance:

  • Can the cover options be extended to include excess buyback? Excesses can be very high, so discuss the options with your broker;
  • Can the Goods In Transit (GIT) Insurance cover options be extended to air, sea and rail also?
  • Check your policy conditions with regards to 'unusual' loads. Certain cargo items would normally be excluded, such as expensive artworks, or ammunition, flammable & fireworks (these can be considered as 'hazardous' goods) and many more.
  • Check territorial geographical limits: Can it be extended to cover abroad?
  • Conditions: Is anything specified for delayed unpacking? Is anything applicable to livestock and/or % grace for overloading?
  • Cover is normally on an all risk basis. Check your policy extensions with regards to fire, collision, hijacking, overturning and theft due to the overturning. Is means of transport described?
  • Debris: Is removal options available? Does it include environmental clean-up?
  • Does your policy allow for protection against driver wilful misconduct, with regards to theft highjacking?
  • Does your Goods In Transit (GIT) Insurance or Courier Service cover include conditions for loading and unloading, nets, chains & tarpaulins?
  • Ensure whether your policy includes losses due to mechanical breakdown or refrigeration equipment? And/or can it be included in your policy?
  • Ensure your Goods In Transit (GIT) Insurance limit is adequate, given value of the load;
  • Packaging may influence claims – make sure you understand what is required in terms of your policy;
  • Unattended vehicles may influence claims, therefore train your drivers on how to minimise risks;
  • ‘Weight-rated’ restrictions may also apply in some cases - check your policy conditions.

Please contact us today for fast, friendly, professional advice and service!

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