Goods Vehicle Insurance for Transporters
Cover for trucks, tempos, pickups and mini trucks. Keep your goods vehicle running and your business safe.
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Overview
About goods vehicle insurance
Goods vehicles work hard on the road every day. A single accident can stop your earnings for weeks. A goods-carrying vehicle policy protects your vehicle and covers your legal liability to other people.
Please note that the motor policy covers the vehicle, not the goods inside it. We can guide you on separate cover for goods in transit.
What is covered
- Own damage from accident, fire and theft
- Natural calamities like flood and earthquake
- Third-party injury, death and property damage
- Personal accident cover for the owner-driver
- Legal liability to paid driver or cleaner (where offered)
What is not covered
- Goods carried in the vehicle
- Overloading beyond the permit
- Driving without a valid licence
- Wear and tear and breakdown
- Damage when the policy has expired
Good to know
Tips for transporters
- Never carry more than the permitted load.
- Keep permit, fitness and driver licence valid.
- Think about a fleet policy for many vehicles.
- Ask about transit cover for the goods you carry.
How we help
Simple steps to get covered
Share your details
Fill the short form with your name, mobile number and vehicle type. It takes about a minute.
Get your options
We call you, ask a few simple questions and explain the plans that fit your vehicle and budget.
Choose and stay covered
Pick the plan you like. We help with the papers, and with renewals and claims later.
Related guides
Read more before you decide
Goods Carrying Vehicle Insurance: Cover for Mini Trucks and Tempos
Goods carrying vehicle insurance protects mini trucks, tempos and goods carriers. Learn what is covered, what is not and how to choose. Get a quote today.
Read guideTruck Insurance Guide: What Transporters Should Know
Truck insurance protects your vehicle and your business on long routes. Learn the cover types, add-ons and claim tips every transporter needs. Get a quote.
Read guideFleet Insurance: Benefits of One Policy for Many Vehicles
Fleet insurance covers many vehicles under one policy for easier renewal and admin. Learn the benefits and who needs it. Get a fleet quote today.
Read guideCommercial Vehicle Insurance: Types, Cover and Who Needs It
Commercial vehicle insurance covers taxis, trucks, autos, buses and more. Learn the types, what is covered and who needs it. Get a quote from Insurance Kro.
Read guideFAQs
Questions about goods vehicle insurance
Does goods vehicle insurance cover the goods?
Usually no. It covers the vehicle. Goods in transit need a separate cover.
Is a tempo or mini truck a goods vehicle?
Yes. Small goods carriers like tempos and mini trucks need a goods-carrying vehicle policy.
What if my truck is overloaded and has an accident?
Overloading can lead to a rejected or reduced claim. Always follow the load limit.
Can I insure several trucks together?
Yes. A fleet policy can cover many vehicles together.
Ready to protect your vehicle?
Share your details. We will call you with clear options and honest advice.