Insurance

 

Goods in Transit Insurance with Public and Employers Liability Insurance

We have a number of Goods in Transit, Public Liability and Employers Liability Insurance products designed around the type of business you undertake. If you cannot see your trade below contact us or use our chat, we can still cover you.

Novas Insurance is 100% online allowing us to keep our premiums as low as they are whilst still giving you A+ rated cover. We offer a quote in seconds and you can buy in under 10 minutes 24 hours a day.

At Novas Insurance we feel transparency and trust is key to our relationship and unlike some companies the price we show is the price you pay including our fees and taxes, there are no hidden charges waiting at the end.

If you require Goods in Transit Insurance only the liability cover can be removed during the quote process

Courier

Goods in Transit Insurance and Public Liability and Employers Liability Insurance for Couriers

For couriers and delivery drivers

From £91.00

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Removers

Removers Goods in Transit Insurance and Public Liability Insurance and Employers Liability Insurance

For removal and furniture movers

From £215.47

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Motor Trade

Motor Trade Goods in Transit Insurance and Public Liability Insurance and Employers Liability Insurance

For motor traders and recovery vehicles

From £167.00

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Motorcycle

Motorcycle Courier Goods in Transit Insurance and Public Liability Insurance and Employers Liability Insurance

For motorcycle couriers and delivery

From £79.00

More info GET QUOTE

Price Matching

Here at Novas Insurance we do not offer a price matching service on our goods in transit and liability products as you will not find like for like cover or ease of use like ours.

We feel quality of service and great cover to be much more financially rewarding and secure with all Novas Insurance policies than us reducing the quality of our product to allow price matching.

Novas Insurance Goods in Transit Price Match
  • You get an instant price which does not change later and takes less than 10 minutes
  • We are underwritten by an A rated UK insurer for 100% peace of mind.
  • We do not charge you a fee for changing vehicles.
  • Our Mid Term change fees are a fixed £15 and managed all online by you.
  • We have full transparency of our costs, there are no hidden charges even when making a change.
  • We offer a pro rata cancellation on your policy, other insurers do not offer a refund full stop! In your first 14 days we offer a full premium refund.
  • Our cover has features such as EU and theft of attractive goods cover (up to £50,000), drivers personal effects and own goods (up to £1,000) covered as standard
  • Our online claims system makes the pain of making a claim easy if the worst should happen

So when comparing our cover with another price you must check, the change and cancellation fees, who your policy is underwritten by (do you recognise it?) and compare the cover levels as you do not want to purchase a policy which will not pay claims due to small print!

Goods in Transit Insurance

Also referred to as Freight liability, our Goods in Transit Insurance policy will protect against claims made against you for damage to goods being transported by you. Whether you are a courier, motor trader or removal firm we can cover you.

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Public Liability Insurance

Public Liability Insurance cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities.

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Employers Liability Insurance

If you are an employer, you are legally obliged to have Employers Liability Insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

Find out more

Goods in Transit Insurance

What is Goods in Transit Insurance?

Also referred to as Freight liability, our policy will protect against claims made against you for damage to goods being transported by you. Your Novas Policy also extends to provide contingent cover for damage to goods being transported by a sub-contractor appointed by you.

  1. Stolen items
  2. Lost items
  3. Damaged Items
  4. Accidental damage

We DO NOT, under this policy, cover the actual vehicle you drive BUT only the goods being carried within the vehicle.

With cover automatically provided to £50,000 (irrespective of weight) for most of the major courier networks, obtaining that contract should be a smoother process. Unlike many insurers, we automatically provide cover for theft of attractive goods and you or your driver’s personal effects. Hand held scanners and European cover are also automatically covered.

Why do I need Goods in Transit insurance?

When you transport goods under a contract of hire and reward the responsibility for the care of those goods falls upon you as the carrier. Without proof of Goods in Transit cover you will not be able to carry for any of the major networks and should you carry without such cover the financial implications can be crippling to any business.

I deliver goods in Europe will I be covered?

Yes. Our Novas policy provides automatic cover under the CMR convention at 8.33 SDR per kilo subject to a financial limit of £500,000 an one loss. Unlike much of the competition your Novas policy also provides cover for Cabotage. Should you be asked to collect and deliver within the borders of a EU member state other than the British Isles (Cabotage) we will provide cover up to £50,000 for any one loss.

Public Liability Insurance

What is Public Liability Insurance?

Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle. For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.

In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities. For example

  1. Bodily injury
  2. Damage to material property
  3. Trespass nuisance or obstruction
  4. Personal and advertising injury offences committed

Your Novas Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.

When is public liability useful?

You will be covered under the following cases:

  1. A member of the public suffers injury after tripping over a box at the kerbside whilst you are unloading
  2. You cause damage to an office foyer carpet whilst delivering goods using a pallet truck

Employers Liability

What is employers liability insurance?

If you are unsure whether you are required to carry Employers’ Liability cover you should seek professional advice. Further information can be found at http://www.hse.gov.uk/pubns/hse40.pdf.

If you are an employer, you are legally obliged to have employers’ liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

Employers’ liability insurance covers the cost of compensation and any associated legal fees.

Is it required as a contractor?

Some of the larger networks such as DHL, TNT and Parcelforce may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover with your employer.

How much employers liability cover do I need?

Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969 you are required to have a minimum indemnity limit of £5million, however at Novas Insurance we understand how important your employees are and we cover you for up to £10million as standard.

Other insurance products

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